Despite our unseasonably warm fall in New York, I have had a few occasions to wear my Marmot Montreal coat and wanted to share my thoughts. I am 5'0", 120 lbs, 32DDD chest with broad shoulders and bigger frame for a short person, and I got the medium, which fits perfectly. I have room to layer underneath, but it is not oversized with just a shirt or light sweater. The coat has a nice shape, even with layers underneath, and does not make you look like a sack of potatoes. While it does not have a way to cinch in the waist, which concerned me a little before I tried it on, it does not need one.
On me, the coat is just about knee length. When the sleeves are pulled all the way down the fleece cuff comes to the end of my wrist, and the down part comes a bit over my hands. It hasn't been glove weather yet, but I expect no gap between the coat and the gloves.
Marmot did a really nice job with finishing this coat - no loose threads, no leaking down, zippers work nicely, and full of nice details. I love the furry fleece lining. My last coat (a Mountain Hardwear Downtown Coat from about 5 years ago) had that too, and it was one of the reasons I bought this coat. The handwarmer pocket linings are exceptionally soft, and I appreciate having two breast pockets (one that zips and one that doesn't). The faux fur is not really my style, but I've left it on because, as others have noted, although the hood is very deep with the fur on, it is a bit shallow with it off. I may still take it off, we'll see how it feels when we get into hood weather.
The coldest it has been around here is 35F, closer to 25 with wind chill, and I was warm. Of course, most down coats will keep you warm to 35, but I expect I will be warm in this coat at colder temperatures as well. I was impressed with the wind resistance. As I found with my old coat, a longer coat will keep your torso warmer than your legs, but it's still better than a short jacket.
I got the Midnight Navy, and I really like it. My last two coats were black, and the blue is a nice change. It's a purpler navy blue, and looks great with jeans, but is also a neutral enough color that it looks fine with the rest of my pants, black included
So I haven't been able to test the Marmot Montreal coat in really cold weather yet, and while I expect it will keep me toasty, I'll update this review if not. Otherwise, I am very pleased with this coat. I did a lot of research before I bought it, and I really believe this is the best of the medium length down coats available this year.
Update: I continue to be enormously impressed with this coat. It's 12°F this morning with a wind chill of 0°, and I was quite warm! I tend to feel cold easily, so I was wearing a thermal top, long sleeved t-shirt, and lightweight fleece sweatshirt, but I probably could have gone with one layer fewer. That notwithstanding, the fit was fine with three layers.
I've tried the coat with and without the faux fur: I like the look of it better without, and it's OK warmth-wise, especially with a hat, but it is much warmer with the fur. I have it back on currently.
I am so glad I decided on this coat, especially now that I actually need it!