Waited WAY too long to get this!
I have been looking at this setup for years because I live in a cold area and thought it would be more comfortable in the winter, and I am sure it will be. BUT I am thrilled how comfortable it has been in warmer weather so far. T-shirt with one size up hoodie works perfectly. I will be doing the same in the summer. T-Shirt with one size up MLB jersey or Hawaiian shirt. I just wish I bought this 20 years ago!