I can only assume the people that rated this 5 stars, live in Florida and wore this when the temps dipped to the mid-50's, and they were freezing cold. As someone who wears shorts and flip flops until it's in the 20s...I generally like my winter gear to actually keep me warm...in actual winter temps. This is NOT a product that will do that. If you are looking for something to keep you warm in the 20s-40s, purchase away. This will do nothing for temps in the teens and single digits, much less below zero or a nasty wind. It's a flimsy thin piece of fleece, that's it. I hoped it would be a good backup to keep in my car for hiking, dog parks, etc, but both times I wore it, even with the hood of my coat over it, it was like I had nothing on at all (-5F/15F before windchill, 10F no windchill). Also it is not possible to tighten the area around your face, so if it's very windy, you have to wear something over it to keep in place.