I've used this as a layering liner for my dress coat and my winter outer coat. Only down side is I wish it looked more like a fleece and less like a sweatshirt. Also, it's not really black. It's more of a dark grey, so it doesn't really blend with the black dress coat. But for those freezing mornings waiting for the train, it's really been a blessing. Hood is very warm, even in a high wind.