I'm considering purchasing a Kilimanjaro 4.0 jacket for riding in Michigan's COLD riding season....and I'm wondering if it is good enough for "winter days." The FirstGear advertisment says that the jacket good for everything from "HOT riding" to "MONSOON season"....but nothing about the FREEZING COLD weather that we get up here in the north. The liner (inner jacket) seems a little lightweight. Any suggestions from personal experience would be greatly appreciated.