I live in San Antonio, Texas and I don't drive so I go everywhere. I'm also very pale. I bought it hoping it would save me a small fortune on sunscreen. I LOVE IT. I wear it every day. I swim in it too, but mostly just use it as a normal jacket. It fits loose enough to look normal with regular clothing. The cooling effect is no joke and UPF works great too. AND HERE'S THE REAL TEST: I recently wore it WHILE WALKING FOR TWO HOURS in 40°C, HIGH HUMIDITY, NO SHADE, and I felt so COMFORTABLE in my sweatshirt I didn't want to take it off . In fact, I've noticed that I feel cooler with the zip and hood closed than when I have them open. Regarding FIT: I'm a US size 18 (5ft 5in, 220lbs, mostly belly fat), I ordered an XXL in white and it fits perfectly. Stomach, the hem of the jacket is around my hip joints. The hood is big enough to give my face some shade and the pockets fit my phone, wallet and sunscreen with my hands. I found it to stretch comfortably around my waist after wearing it a few times and all the small stains and streaks washed out in a regular wash (takes about 20 minutes to dry).
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