I love this winter baby wearing coat! I personally feel it is very warm, I live in Montreal and it's chilly here, no problems keeping warm!
I also love the 3 in 1 features and cannot wait to wear my baby under the coat. I think my only complaint is the belt. My 2 year old is always ripping it out of the loops. Without the belt, I look frumpy, so I don't want to lose it.