5.0

I bought this jacket solely based on the Bikebiz video review and I was not disappointed. The quality, fit and finish of this jacket is great. With the thermal and waterproof layers in place it is snug and warm, and with them removed and the vents open it is cool enough to wear on a warm day. It fits well around my waist, and I don't get any wind drafts on my lower back. My only complaint is that the zipper system for the inner layers is fiddly, especially at the sleeve cuffs.