OK. I'm trying really hard to decide on what to use for my underquilt. It will either by Climashield XP or HL.

Can somebody help me understand the relationship of CLO and thickness?

The 5oz HL has a reported CLO of .68 according to a recent post. Loft is around two inches.

The 5oz XP has a reported CLO of .82 according to the same post. Loft is 1.2inches.

Given the loft, would the thicker HL be warmer or is the CLO value more important. Or am I "straining at gnats"?

Thanks.

Jbo