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A puffy with an adequate amount of down in it will be your best final layer. Most 'fashion puffies' dont have an adequate amount of down in them tho. If you're going to buy a nice down jacket ignore the '600,700,800,900 fill power' bullshit and see if they list the down fill amount, if they are worth anything they will tell you. 3oz+ is a good starting point.
North Face is notorious for this, they will blast the '700 FILL POWER!' on everything, they'll even embroider it on the jacket sleeves and it literally means nothing if they don't tell you the fill weight too (they dont). The average jackass sees it and thinks 'damn, that sounds like a high number, must be good!'
This was remarkably helpful. I haven't shopped for jackets in 10 years (because carhartt) and have been considering a new down jacket as part of a layer system, and this is far more informative than anything I've found so far.
thanks! i didn't wanna go too far down some nerdiness but i'll add some other shit
FWIW, those fashion puffies are going to keep you warm to a degree, mostly due to the fact that the fabric is a non-breathable material but it will have less to do with the lack of down thats in it. You can achieve this exact same thing by just wearing a fleece and your rain jacket over it. Rain shells are VERY non breathable. Go skate for 30 mins straight wearing a fully zipped up rain shell and tell us how that went lol. You'll be so drenched in sweat you wont know what to do.
Next topic: tech fabrics- they aren't overhyped industry bullshit. theres a reason you dont do winter activities wearing 100% cotton. Cotton doesn't wick away moisture and it holds onto it. it takes a considerable amount of heat to dry cotton. if you're wearing a soaked through cotton shirt in the winter, all that moisture will have cold air moving over it, trying to evaporate it and its just going to make you colder. same way when you sweat when its hot outside and that nice breeze swoops in and you feel fucking amazing, well, you don't want that to happen when its already cold out. polyester type fabrics wick moisture away from your body and disperse it away from your skin, keeping your dry and warm.
tldr: tbh if you own a fleece and a rain shell, it will actually keep you way warmer than a fleece + puffy will.
(if we want to we can go down the rabbit hole of synthetic outer insulation which is also a better option than a puffy, and even better for active skating!)