The best way to effectively use extra insulation in your clothing is to start at the bottom and work your way up. Select the loosest clothing you have for an outer layer so you can fill the layer between your clothes and your skin (or your base layer). If you only have one layer of clothing, then you have no choice but to put the insulation in the clothes, next to your skin. Tuck your pants into your socks, undo your pants, fill both legs of your pants with insulation on all sides, and then try to get your pants secured again. Next, turn your attention to your top half. Tuck your shirt into your pants and fill the front, back and both sleeves with insulation. You should look like a scarecrow on the yellow-brick road, but you should also be warm by the time you are done. Lastly, pull up your hood, or put on a hat filled with insulation. This get-up is itchy, prickly, crunchy, and ridiculous looking, but it might also save your life.