It is reasonably soft, good fit, med thickness, warm (but not hot), collar is ok, ankle cuffs ok, and the waistband is comfortable.  In the future I am planning on purchasing Woolpower and Icebreaker thermal underwear.  I do a lot of research on the internet, and try products that others have rated, and this is one of my first reviews on the internet.  Thanks everyone for your time and great comments!