Hey Steve! Been a long time. How have you been? First thing you need is a good warm hat, since we lose most of the heat through our heads. I also use under armor and heavy weight fleece. Cotton will ruin your day. It gets wet and stays wet. I use micro fiber clothing as my base layers. I finish off with an under armor jacket (very thin, yet very warm) and my wading jacket as a shell. By dressing in layers you can remove clothing if you get too warm. I never have any problems keeping my body warm, it's always my feet that get cold.