How warm is this coat? The rating is warmest yet the temp range given is -15/25F. I'm not sure how accurate their temp rating is?
This will be the play in snow and walk around outside in nyc coat. We live upstate where winter is October to April and temps are almost always in the teens, so she needs something really warm!

Also, how do they fit? She's most in 4T tops and the Patagonia 4T was big enough to last 2 seasons. I'm looking for the same here. Looking at the little girls S(4). Thanks!

I really want this one for her:
But even with 25% off that's more than I want to spend on a coat! But the 3-1 might be nice to use the shell with the Patagonia on a daily basis for the car? Taking the shell off in the car.