I've used this jacket in spring conditions so perhaps not as cold as mid winter. Of course there isn't any insulation, but I prefer to add my own and didn't need to add much. I'm still finding new pockets, clips and holes for poking devices as there are so many! The jacket is super comfy as well as waterproof, though I haven't used it in full snowing conditions. I definitely recommend this outer layer. It's a top quality well priced jacket, the material has a nice feel and even without any sub layers keeps you warm and dry, and it's a really nice looking jacket too.