Hoping to get some ideas for durable, cold weather skirt

Personally I wouldn't overthink this nor put any more $$ into it than absolutely necessary. I simply used cheap sheets of chip board as a skirt for our TrailCruiser hybrid - worked just fine. :B





If I were to do this again I'd use Reflectix sheeting, perhaps supported with 1"x2" framing. Put a light bulb or two within that enclosed area and it's amazing how much heat can be trapped.