In a classic winter layering system, it’s the midlayer that holds the magic. A good midlayer has to breathe, wick, and do most of the insulating for you, even when wet—a level of multitasking you ...

Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, ...