If You need warm
I live in NZ and bought this on the other lady that lives in NZ.. Well arent we going to be so warm this winter!! A great jacket with exceptional quality. I had this one with a jumper and had to remove the jumper as I was just so hot.. You don't get that in NZ let me tell you we get cold! I love that I can remove the inner fleece also for days where I don't need as much warmth. What a well thought out jacket.