Is it lined? If lined, with what? Does it tend to run large? How warm is it. Live in Santa Cruz CA.

Yes I believe it is, the outer layer is the fluffy fleece you see in the picture, the inside is the more smooth, or micro type fleece. Also the arms have like a slick material so your shirt cuffs don't get jammed up your arms (very nice feature). There is also an inner fleece cuff near the wrist to keep those drafts out. Having visited Santa Cruz quite a bit it should keep you warm all winter, but wont do anything for rain. Hope that helps.
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