I reakon that the quality of the SD hats you buy from stores are cr@p - they look like you have just climbed off a Russian submarine. I vowed I would never wear a chip-bag. Now I swear by them, they are much more practical.
Try getting one made by your local stn tailor - mine was lined with AF grey satin and if you want it padded I'm sure they would do it for a few bob extra.