I bought this in anticipation of cooler weather, intending to use it for camping and early morning cycling. It's actually quite warm on its own and has a brushed interior. I personally like using it for cold nights in bed. Compared to other brands like one from Costco, this is thicker and warmer. Not to mention a better deal as a 3 pack. As far as fit, I went with a large on my 5'10", 185 lb frame but think I could go down a size for a closer, compressive fit.