Jim,

Notice I mentioned wet underwear and sweat pooling at my elbows. That is what makes vb clothes dangerous. You must adjust your insulation to match your activity level or adjust your activity level to match your insulation.

I try to thermoregulate with a minimum of layering. I use gloves, hats and jacket zippers for fine tuning.
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"In theory, theory and practice are the same. In practice, they are not."
Yogi Berra