Ha, GREAT question, Joy! I still drive at night and was dying to ask a runner exactly that question when my lights picked him up running down the centre of a dark, narrow, twisting road on a rainy night. He was dressed entirely in dark clothing and his only concession to the pitch blackness was his headlamp. The feeble light it emitted was barely enough for him to see his surroundings, much less make him visible to drivers. I checked the papers for the next couple of morning just to see if there had been an another accident.
Suz, I think HH makes a fleece lined version of my raincoat. I have a similar fleece-lined raincoat but find it much too warm for our winters on the Island. My sister wears her fleece-lined raincoat during the winter months when she and her partner are in Northern Scotland. It’s kept her warm and dry in some pretty fierce gales. The combination of a wind proof, water-resistant outer shell, a fleece lining, a well-fitting hood, and drawstrings at the wrists and waists makes for a pretty warm walking combination.
I guess my skiing background makes me wonder about the performance of puffers in wet, stormy weather. Some puffers claim to be water resistant, but those quilted seams make for a lot of potential water entry points during a full-on rain and wind event. My past experience is that dampness (external or internal) is what chills me—and once I’m chilled, only a hot bath warms me up.
Good luck on your search!