Bwinters - if I read one of your above post correctly, you have both the Kelvin down and Kelvin lite. What are your thoughts on the two? I have the lite and a 90% jacket for over it but last fall I was glassing in MT on a peak with high winds/snow wearing just the lite. Yes, I could've had the 90% but didn't pack it so I was thinking of going with the Kelvin WS to eliminate another layer. Aside from that one time, the lite as worked well for me but more insulation would maybe eliminate a layer while in a treestand when it in the teens.
