This is not a reflective shirt so I'm not looking for something that hangs down to the waist. I am 6ft 180lbs and size L/XL is perfect. The length is down to the bottom of the vest, about an inch below my last rib. This vest is adjustable enough that I can wear it over a t-shirt or three layers of clothing, and it doesn't pinch or move when I run. I don't even want to notice it, and that's the bottom line. In addition to the reflective material, the main part of the vest is made of a lightweight mesh fabric. The reflective properties are excellent and very bright when car headlights hit the material. If you want a minimalist, effective and safe reflection paired with the least noticeable vest that also fits snugly around you, then this is your product. If you need full shirt-like coverage, a loose baggy vest, a ton of pockets, or are looking for attention day and night, this may not be what you're looking for.
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