I'm not going to offer much advice, only to say that I wear my Klim mesh jacket every single ride and it's great. I haven't used the liner yet, so there's the "no help" moment. I do have a full set of rain gear that I plan to use if I have to. I don't have Klim lowers. I have to think that the Klim liner would be hot like any other. It seems to be a piece of plastic to me....