@Elliot Wolin,
you are correct of course. My 6th grader wears a Pata Mission Peak running shell to bike to school most days here in northern Minnesota winter.
I don’t know about “many people” but the reason to use VBL layers is not because of using a WPB outer layer.
It is because, when it’s very cold, you add insulation to keep warm. Yet, once the temperature drops far enough, and you are wearing thick enough clothing, the dew point is inside your clothing. So even if you were wearing some magic insulating mosquito netting, you would still get condensation inside your clothing,
The fact that most traditional al high loft clothing uses calendared down proof fabrics, that are very poorly breathable doesn’t help of course.
This is were the new ‘active insulation’ come in handy, they offer a slight wind resistance, but their high air permeability allows much more moist air to move through than traditional insulated jackets. So, even if they do get damp, they dry much better.
https://andrewskurka.com/vapor-barrier-liners-theory-application/