Hooded Merganser

Odd that I have never seen one in eclipse plumage - and that includes every text/field guide I can lay my hands on(both online and paper). Frustrating. I'm not doubting it, as I originally thought hoodie. I'm just perplexed at the lack of verification available in this day and age I did find one pic, but it looked more like a female in coloring except for the white head spot, and didn't show the wing bars at all .

Yes, I get the small size and narrow bill and the hood spreading. That all screamed hooded merganser when I saw it. What I'm not reconciling is the lack of chestnut and white breast as in http://www.projectnoah.org/spottings/9979162 http://www.projectnoah.org/spottings/9344774 and http://www.projectnoah.org/spottings/10179211

I have them at my house most of the winter and sometimes into spring and unlike this one they have tons of white and the chestnut markings. Tell me what I'm missing?