Maybe this has been resolved? Any update? If not, I think the idea of the wading jacket is to keep dry (and therefore warmer, I suppose) but not necessarily act as an insulating layer. Just like the idea of the insulating coats (down, poly-fill, or fleece) is to keep warm but not necessarily dry. The jobs are very different so that is why there are very few, insulated, waterproof wading jackets. Ditto for ski parkas, mountaineering coats, and even hunting coats. All of the best ones are "systems". A zip out liner is still layering, and you will still pay for two layers. That said, you will find some wading jackets are defintiely more set up for cold weather wearing. My older Patag. SST, for example, has a fleece lined collar and fleece lined handwarmer pockets. Doesnt pack worth crap and I dont wear it in summer but it's pretty bombproof. One of the higher end models (from whatever manufacturer you choose) will probably be a better bet for what you seem to want. Find some pics of guides in Alaska, Russia, or TDF. You aren't gonna find anything warmer than what they are wearing. And yes, a XXL is way too big for 6'1 and 170. Fit is important to how it will perform and you will be swimming in a XXL. Sorry for the long post.