I really think that a coat liner makes a big difference when you are trying to stay warm. I am going to invest in one soon. I didn’t realize that something as simple as a liner can really mean the difference between shivering cold and being comfortable. I was at the park with a friend of mine and I forgot my coat. She was nice enough to let me borrow hers. It had a liner in it, it worked so well in fact that I actually got hot and had to take it off. I couldn’t believe it, everything else about our coats are about the same, just the one little difference, the liner.