A composite velour fabric garment includes a laminate consisting of an outer woven shell layer, an inner thermal layer of knit construction, and an intermediate layer disposed between and laminated to each of the shell layer and the thermal layer. The outer woven shell layer contains spandex in at least a weft direction for stretch and recovery in a width direction. The knit construction of the inner thermal layer provides stretch in at least a width direction, in harmony with the shell layer, and the inner thermal layer has a raised surface facing inwardly, away from the shell layer. The raised surface includes a plurality of discrete pillar regions of sinker loop yarn arranged in a grid or box pattern and configured to form a plurality of intersecting channels between a wearer's body and the inner thermal layer. The intermediate layer has controlled air permeability, including zero air permeability. One or more of the outer, inner, and intermediate layers include flame retardant material.