I picked up this thinsulate insulated jacket from target. but now I am wondering I should return it. I have had good experience with thinsulate brand items in the past. However I'm wondering if this is good for toddlers. Should I just get a regular jacket instead that doesn't have the thinsulate insulation?
There have another jacket is a 4 in one with a removable outer jacket which is slightly cheaper ( second link)
Which one would you get?

http://www.target.com/p/cherokee-infant-toddler-girls-tech-jacket/-/A-14533275#prodSlot=medium_1_26

http://www.target.com/p/cherokee-infant-toddler-girls-4-in-1-system-jacket/-/A-14533274#prodSlot=medium_1_23