The good news is that the liner is definitely made of a light quilted satiny material that would definitely serve as a nice insulator. What I am ambivalent about is that fact the there is a v-shaped portion of the front missing. There is no way to close the liner, and no buttons or other closure. There are button slits along the perimeter of the top, which, presumably would allow one to attack it to interior buttons on pants, allowing it's use as a liner. Maybe the idea is to have the front completely open for access when the wearer needs to relieve himself. In any case, the one I received differs from what is portrayed in the pics since there is no closure and it's impossible to even bring the ends together (since as I mentioned, a v-shaped slice seems to be missing). I had envisioned using these as liners or as walking about the house during the winter pants. I may call Keep Shooting to see if they are all like this, or if I received a fluke. They are well made though. I gave them 3 stars on the value indicator since i am not sure I will be able to use them...