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Hello @Jeannie thanks for being part of the community! I am happy to steer you in the right direction for a potential pfd to meet your needs!
I am a fan of Astral PFD's from a comfort standpoint and would recommend taking a look at the Astral Layla PFD . This one hits on several of your requests. There is padding all around, less venting throughout which will add a little warmth, and a pocket with internal organization which includes a spot for keys.