I wore this for the first time today and had gotten it in the mail yesturday. I walked to the bus stop (4 min walk) and it was 20 degrees out. I was fine. I wasnt cold at all. I got at least 20 comments (5 of which were from people i dont even know) about how "fresh" this hoodie was. The polyester liner is super comfortable and adds a little more insulation. Would recommend to everyone.