Where I live, it's consistently below freezing during the winter months. Most days last winter I wore a crewneck sweater, button down and Bedale (with the warm-pile liner). That was enough to keep me warm.
Just picked up a pair of MacAlister boots on sale for $45 (about $100 less than the original price). I've only had them for a week, but I actually think they're better than Clark's desert boots.
They're on sale online with an additional 50% off if anyone's interested. Might actually buy a second pair.