My micropuff has been severely abused, by which I mean kept in a stuff sack for months on end without ever being taken out, stored in the bottom of my pack under all sorts of other stuff for months on end, used as a pillow each night, occasionally taken out and worn under my backpack. And it still has about .5″ loft, versus about .65″ when it was brand new. That is typical for polarguard. Expect to lose up to 30% of the initial loft and then you lose no more after that, assuming the polarguard has been securely quilted so it can’t be torn apart. (The Patagonia garments are very securely quilted. Jardine style quilts are not securely quilted and thus must be handled gently.) My micropuff men’s L weighs 12 oz, incidentally.
Compare with a 200wt fleece jacket (weighing about 14 oz for men’s L) which has about .3″ of loft, both before and after abuse. Also, fleece isn’t windproof like the micropuff. Even after losing loft, the micropuff is still vastly warmer. Also, fleece WILL lose loft if abused severely enough. Check the elbows of an old fleece jacket if you don’t believe me.
Down too will also lose loft if it is severely abused. For example, if a down jacket is worn under a backpack, the down that is under the straps will be ground into pieces of string eventually.
So no, you don’t need to throw away your high loft insulation, but you do need to accept the quoted loft figures with a grain of salt. 3oz/sqyd Polarguard is alleged to have 1″ of loft. (Ray Jardine more honestly says .9″). In practice, this Polarguard will have only about .75″ of loft if abused somewhat and perhaps only .65″ of loft if severely abused.
Instead of just alleging that your high-loft garments are failing to keep you warm, why don’t you measure the loft on the Polarguard garments versus the loft on fleece or down, so you can make a scientific comparison.