Stylish? - Definitely yes. Cozy? - Surprisingly. This is a very sturdy belt. It's comfortable to wear and looks just as good as any other braided belt I've had. Why 4 stars? Endurance is the final test for me. Is it durable? If it looks as good as the other belts over time I'll give it 5 stars. Update: When I think about it, this belt is so good that I've decided to give it 5 stars. If durability is not confirmed I will come back and adjust the estimate. At the moment I think it's worth 5 stars.