Are all you northern guys descended from Vikings? I would be layered up a lot heavier in your climate than guys are describing here. I swap from wool to Army M65 jacket with liner. Either way, I layer fairly heavily even in our Georgia winter. In my opinion, one of the best characteristics of Theresa's stuff is that is long enough that it doesn't ride up and expose the kidney area to the cold. I have 4 pieces of her stuff and really like it, even though, we don't have enough severe cold to need it that many days in the woods. But when I need it, I have it.