My toddler actually asks to get in the wagon now, mostly because of how soft that sherpa lining feels against her legs. The fold-over blanket part is genius on chilly mornings, and it still clips down fine over the five-point harness without bunching up.
Wasn't sure the liner would stay put on bumpy rides, but it lays securely over the wagon and hasn't budged once. My toddler loves that the fabric folds over into a little blanket when it gets chilly. The harness still clips in fine through it.
The sherpa fabric is so soft that my daughter now asks to sit in the wagon even when we're just parked in the garage. It stays put over the 5-point harness without bunching, and the fold-over blanket part actually covers her legs on windy walks.