The thermal jacket is awesome. On cold days this is now my go to since it has the ability to unzip from the bottom for some airflow on climbs and then quickly zip back down for descents. I've worn this now on several COLD rides and feel nice and toasty witouh overheating. The only small issue is that the sleeves are a little too loose, however that is because I am in between a Small and a Medium because of my chest circumference so in tops I usually have to size up to accomodate the girls which means I usually end up having a little bit of loose fabric on arms and rest of torso. Not a deal breaker just something to be aware of! :)