I love love love this vest. It is warm and comfy. Perfect for a chilly day or sitting in the office, when you don't want the bulk of wearing a jacket all day (it also looks better than wearing a jacket all day). I've never used vests before but now I'm sold. The amount of puffy is very warm but not huge. The pockets are useful and lined with soft material. I haven't used it beyond casual in town wear yet, but I expect it would be as good anywhere that a down layer would. After reading other reviews that said it fits larger than expected, I got the size small and it fits perfect (I am 5'7" and 145 lbs). My normal women's t-shirt size is medium.