Jacket is very warm with the liner in, a bit cooler with it out. The neck is a bit tight when buttoned, but manageable. Got a small for my daughter, she's 5'3" and about 95 lbs, skinny as a rail. Fit is great, maybe a little baggy, but gives her room to grow. All the padding lines up as it should. Definitely worth the money. If it had any ventilation for warmer days it would get a perfect score from us!
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