My carhart has the grey lining with black quilting inside the sleeves. I find it to lacking in warmth out here even when just stepping outside for a smoke. My minimum is white undershirt, longsleeve long john on top of that, with a colored t-shirt on top of that. With those on the carhart is adequate for just working around the yard.
When in my sub-zero garage, or out hunting for long periods I have about 7 layers on including the carhart because we have been rather cold this year. I ran into the same issue in 2010 winter as well. 2011 winter was a joke...
So the trend and indicator is the carhart is not enough for my wonderful 4,500 ft elevation winters and wonderful wind. I'm looking to upgrade, but with style.