I'm not sure if insulated is the right word? I'd like to buy some warm trousers for when I go to the footie - tights under trousers are not cutting it. Can you get trousers lined with fleece or something - that don't look too bulky/like I'm about to go up a mountain? I really want just one thing to put on rather than an underlayer. Ideas? What should I Google and who would sell such things?