Aktruckinís post got me thinking. I normally look like a refugee from a surplus store when Iím out riding. It might be time to invest in some decent outer gear. With all the accolades for Klim gear it looks like the way to go. I was wondering if you guys are going with insulated or non-insulated? I am inclined towards non-insulated as I already have good base and mid layers to put under it, but I wondered if I was missing something. It is always nice to peel down while you are digging yourself out! Also is there a real difference between the top of the line or the more moderate cost models.