I understand that the Lite version isn't insulated, but does this make a big difference in warmth? I just received my regular Heat Elite II but need to return it for a smaller size, and I just saw this. What temperatures can this handle as opposed to the regular jacket?

Tech Specs:

Material:

[shell] Plush bonded fleece (polyester), nylon oxford; [lining] thermal reflective polyester 

Hood:

no 

Center Back Length:

29.5 in 

Pockets:

2 front, 1 chest, (internal) 1 security 

Recommended Use:

winter aerobic, layering, casual 

Manufacturer Warranty:

limited lifetime