“Is this thing intended to go over your insulation layer (the high loft Jacket?) If so, I’m going to have to find a bigger wind jacket.”
Not really, since you won’t likely be “on the move” while wearing a high loft jacket, as Stephen said. But you do want to make sure you can wear a base layer under it and not feel too constricted, at the very least.
Personally I use mine <b>all the time</b>, typically over a base layer or two. When I stop moving, I’ll throw a warmer layer over it if it’s chilly. When not on the trail, it’s my preferred layer I go running in. I just think of it as a tightly woven shirt, that’s all.
I will offer that not all wind shirts are created equal, and all the fabrics used peform differently toward reducing convective heat loss (they don’t actually stop it.) There are some very detailed and thorough articles and discussions in BPL on windshirts, and I recommend digging into them for more perspective.
So have fun trying it out, and see how it might work (and not work) for you.
And welcome back! The base gear has become a LOT lighter that it was in the year 2000, that’s for sure.