Very cozy. It makes you as cozy as a bug in a rug. I've only used it a few times in South Florida. Only a few times was it cold enough to turn on the lights. I like the convenience of coziness. Warm up by drinking coffee. In addition, the hood keeps your neck warm even when it's down. I would recommend it. If you have one of these, you can turn off the thermostat. I like the bag to keep my hands warm. But the one with a zip is useful for regulating the heat level. Next time I would buy with pockets and zipper.
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