I bought this fleece Gilet to wear on colder days under a strong but light weatherproof jacket. Its purpose for me is to provide extra warmth on colder days without restricting movement in the way that heavy weatherproof jackets do. As it is still September I cant comment on it's insulation capability, but on a 'test walk' I soon became too warm to keep it on in the relatively mild, but wet and windy weather. The high neck is especially useful. It seems well made and very good value.