Not exactly what I would call "fleece". the inside is more like velor, very smooth, soft and velvety. Feels very good and fits perfectly - I usually wear 3X, ordered 3X and it fits just right. The length on me (mine is 5ft 8in) is just above the ankle and quite wide at the hips which was my main concern. The elastic is good (not too loose) so I took out the lace. Otherwise, wearing your top loose will make it look lumpy. Definitely looks good enough to wear to work or informal social events when worn with a blouse. It would be nice to have pockets, but they would probably add too much bulk if they were made of the same material. Basically very happy with it. It's hard to find warm, cozy, casual winter skirts that aren't made from wool plaid! I think I'll order a few more :D
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