I have been reading up on the great qualities of wool and how it wicks moisture and can keep you warm even when damp. I have also been reading of the dangers of cotton and how it can cause you to stay damp and get dangerously cold and hypothermic. My question, in shopping for a wool coat, is why do some wool coats have cotton liners inside them? Isn't that defeating the purpose of wool?? If they are going to put a liner in it, why don't they use fleece, or nylon or some other wicking style material??