Here's my confession. I took advantage of the sale and lifetime returns at Altrec.com to get the North Face Stone Sentinel. It's like the McMurdo but sleeker. It's been cold and windy here, 17-30F with winds of 10-15mph the past couple of days and my TNF has been real warm. I've been wearing just a LS T-shirt underneath, no layering just for a warmth test, and even went for a walk at the park. Now my legs were cold through my jeans, and my hands a bit wearing just Polartec gloves but everything else toasty warm.
Still looking for a great deal on a CG, but this coat gives me the luxury of time.