All of the skirts are going to be water resistant, not waterproof so you’ll be a bit limited there. Smartwool makes two skirts – the one I have, with stretch side panels, and another one with a zipper called the Smartloft Zip Skirt. You might also want to look at skirts designed for backcountry skiing as they are for people who will see the wildest weather – on my list, that would be the La Sportiva skirt.
Also, if insulated skirts are new to you, then maybe you also haven’t heard of rain skirts or rain kilts? They are a pretty niche piece of rainwear popular with long distance hikers. If you are worried about getting wet while out in your wheelchair, you could layer a rain skirt over an insulated skirt or whatever else you have on.

Thank you so much for so much detail!!

Hi Tricia. As a plus-size person, I definitely feel you on this one. I’m on the small end of plus size so I can squeeze into the largest size that most brands make, but I know that’s not the case for most people. I tried hard to find plus sized insulated skirt options to include in this guide, but unfortunately I came up short. (I include plus size options in every gear guide I write whenever possible.) Insulated skirts are still a newer item for a lot of brands, so it seems like they are unwilling to offer them in an extended size range right now. As I said in the article, the Backcountry Stansbury Skirt I included was the only one I could find. I wish I had been able to include more. Fingers crossed that when I update this post for 2023 there are more options to include.

Sorry to disappoint Maria. I wrote the guide for people who want to hike, ski, or snowshoe in their skirts and for most people, a long, maxi-length skirt wouldn’t work for that.