I'm interested in either the Darien light or Falstaff. The coldest I ride in is about 40 degrees Farenheit. Any comments on the respective merits of the Darien light versus the Falstaff. I'm thinking I could get away with the Falstaff without any additonal lining, whereas with the D. light I'd need at least the light lining, but I don't really know. My preference would be for less bulk also.