I find it perfect without arctic liner with either shirt/sweater/SC. Can easily wear it 3 seasons.Let me say another thing..design, quality, and features are unreal. I would buy it again multiple times.
Yes, i agree about the waist being a bit wide but this is by design. Once you have drawstrings tightened it's actually great fit. No way you can size down even without thunder thighs. Be careful.(Excuse bare feet).