Bought this as an insulating layer, around camp, and while waiting between ski races. Wore it in ~20F with just a wool thermal and was fine. The fleece side panels make for coolness there, but it vents nicely and with arms down keeps the wind out. Nice collar and cuffs, and typical Hardwear excellent build quality and details. I give if 4 stars only because of it's length, which is about 2" longer than I would prefer. I normally wear M, found that to be too tight across the lats and chest, and ended up with L. Both had the length issue. Otherwise I'm very satisfied.
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