Thermal vs sherpa lining in hoodies

I have a few heavyweight carhartt hoodies and I really like them, but I live in NH, and I'd like something for those days that are below 20 degrees. I often don't wear a jacket, just the hoodie so I'd like something warm.

Does anyone have any likes/dislikes on the sherpa or thermal lining? Do both linings include the sleeves? Do any of you own both and think one is warmer than the other?