I just brought a Mont Bell Inner down jackect. The L is a little tight should have got an XL. I also have a 600 fill down vest with a max loft of about an inch vs the Mont Bell maybe 3/8 of an inch. I know the mount bell would be slightly warmer than a 200 wt fleace. Question is would the vest be warmer that the jackect? I know this is a trough question. Would be best to try both but Don't have the time. Both would most likly be worn over a ss tee shirt with a base layer wt long sleve on top and a wind shirt over that. Than the jackect or vest. If really cold would wear rain jackect over the vest or jacket. Any opinons? I know there be a lot.

Thanks