I got the 100MPH un-insulated bibs a little oversized so i could layer up underneath in the cold months and still use them in the spring/summer when necessary. I use my issued gortex shell up top.

I'd definitely recommend the 100MPH stuff. Snivel gear is always worth spending a little more and getting the best you can at the time. You'll appreciate it when you need it, and the more you spend, the longer you'll go without needing to use it. I bought my bibs and probalby didn't have an occasion to use them for the better part of a year after I bought them. Just like I haven't lost power at the house once since I bought a generator several years ago.