Well that gives me some ideas. I shoe horses and am also a builder. The shoeing gets no kilt wearing, but the building will. But lots of the time in the winter I'm outside doing any number of tasks involved in the construction of a house. In the northeast there is usually a good amount of snow. Doing the construction, I'm trying to stick with more contemporary kilts like Utilikilt or some homemade X-kilts. I saw a lined kilt (I think it was a Trinity Kilt) that looked like a great idea.
As far as the upper body staying worm, not a problem here. Layering in mostly woolen material keeps me nice and warm in any condition.