Hey John, from one Canadian to the next, I don't consider this a winter jacket. Generally speaking I find the use of softshells as insulation layers inadequate when the temp hits -15 as it so often does in our country. My advice would be to look for a a 3-in-1 jacket (if that's what you like) with a thick fleece or down liner. That'll keep you much warmer when you're out about town.