I agree that it isn't the insulation, it is the wind cutting thru your layers stealing the heat that would have been enough. Golite and Montbell both have decent prices on wind layers. Montbell's dynamo pants are about $75, but only 2.5 ounces. Same goes for a light wind jacket. It can really make the difference for making even a simple fleece much warmer when the wind isn't cutting thru it.