> For *most* of us, keeping warm while moving with a pack on is not the problem though. For me
> the biggest time when I need insulation is after I've stopped moving...just sitting
> around waiting for dinner to cook and stuff.
Yep, agree entirely.
However, I do think that there is a psychological factor as well. OK, it may be part psych and part physiology actually - or you could just call it 'cold adaption'. We were up in the mountains wearing a single Taslan layer top and bottom (our normal Taslan clothing), while the people with us who were not 'mountain-experienced' were wearing fleece trousers and fleece jackets.
At a technical level, it may be that our bodies were used to holding a slightly elevated metabolic rate while also allowing skin surface temperature to be lower than normal.
Clearly, if what I am saying is correct, then people are going to have very different clothing requirements, with 'outdoors experience' playing a significant role.