I've only worn this as a shirt in the fall and wear it under my clothes in the winter and it's quite warm. I think I could get a 4.0 because we have windchill down to -40 but with this, a big jacket and an average winter temp around 0 it helps. However, it is super static after it comes out of the dryer. All the dog/cat hair and dryer sheets stick to it, making it seem impossible to really clean.
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