I've ridden with a TekVest for 10 yrs. and worn a Klim Tomahawk for 4 yrs and a Togwotee for the last 6. Using the layer system I'm usually comfortable. The only issue I've had is my arms will occasionally get cold. I tried a SplitTec pullover and hated it. Made my arms sweat like crazy. The TekVest is great for keeping your trunk warm and protected!!