I'm sorta the poster child for Carhardtt work wear. Let's see, I've got Carhardtt socks, long underwear, pocket tee's, jeans, hooded sweatshirts, insulated bibs, 4 styles of jackets/coats, 2 styles of gloves, ect. I'd say I'm a loyal customer. (I'm BIG by most standards. 6'-5" 265. Carhardtt workwear is one of a very few manufacturers of QUALITY workwear that fits me comfortably and still holds up to my abuse)
I wear their hooded sweatshirt style jacket with the "Thinsulate" lining MOST of the winter. It's MUCH warmer than the fleece lined version. When I need the insulated bibs, I wear the hoody under the bibs, then an old style "Stockmans Jacket" over the hoody/bibs. The Stockman coat was discontinued several years back. It's a lot longer coat than the "normal" Carhardtt jackets that are more popular. (10" to 12" below waistline) The Stockman coat was only available with the heavy wool lining. When it's REALLY cold, and I'm wanting a jacket that's warm, but also easy to move in, I wear one of a couple "regular" style Carhardtt jackets I own. BOTH have the Thinsulate lining. They're as warm or WARMER than the wool liners and yet the jacket is lighter, thinner, and easier to move my arms, ect.
So, in the humble opinion of a VERY loyal Carhardtt customer who's tried 'em all, go with the Thinsulate liner. It's warmer, more comfortable, easier to move around in, lighter, and much less bulky.