I love this jacket overall! It fits great and I love the extra options I have to wear it. Spring and Fall too, just remove the insert. You can also take the hood off.  However...

FINE PRINT: The insert itself was the issue I have with the jacket. The material is frustrating. It leaves fabric clumps on everything at first (wash it a bunch of times, it'll help elevate the clumps). When putting the jacket on and off, the insert fights against the clothing you're wearing. So the insert always comes out when taking it off or gathers at the wrist when putting it on. ***If you are a smoker, this jacket will collect all the cigarette smoke you inhale, your second hand smoke, the guy-standing-next-to-you's second hand smoke, as well as the person in the next town's secondhand smoke from last week. Even if you DON'T smoke, don't stand next to people who are (see previous statement). You smoke indoors? Your house won't smell if you wear the jacket.  (I do not encourage that.)