Does anyone out there have the Lady Day coat from J. Crew? I need advice on which version to keep.

To start with, I ordered the Lady Day coat in dusty blossom both with and without Thinsulate -- this would be my first coat ever not in a neutral color. The first question for Lady Day coat owners out there is, for what temperatures do you think a regular double-cloth coat is good for v. one with Thinsulate. (For reference, I live in the Northeast, and I pull out the knee-length down coat when it gets below freezing.)

Also, I'm wondering from when to when it's OK to wear a pink winter coat -- will I want to wear it mostly in the late winter/early spring, which argues for keeping the lighter weight? Or should I be breaking out of my comfort zone and wearing this coat from the day that cold temperatures hit?

I should note that this coat is cut slim (and I'm slightly top-heavy, I'm beginning to think), so I can wear only relatively thin sweaters underneath it. Maybe that means it should be an in-between season coat for me. Or maybe it means I need it with Thinsulate, to make up for the fact that I can't wear warmer layers underneath.

Opinions please? My credit card is begging me to make the return soon!

TIA!