Riverliver,
I am on my second one in 8 years. It is one of the best things I have invested in, except when it pours !!! I dont care what anyone tells you, they seep through bad !!! But as far as keeping heat in and blocking wind,(running up river), Its the best in the winter. I have puchashed, oversized raingear, to go over it and it works good.
You paid $400.00 for it?? I bought my second one last year, and got it for $318.00, at last years boat show. Good luck !!