No need for a jacket
I love this shirt. I'm 6'0", about 180 lbs and purchased an XL because there were no L sizes left. The XL fits wonderfully I originally thought I'd use it as an outer layer while looking for a jacket. I was wearing it on a very chilly day (maybe about 45 F degrees) when a downpour of rain came and I was very comfortable in nothing but this jersey above the waist. I think it looks great, but more importantly it feels great. It has a very soft, inner liner and does a great job against the wind also, though not a windbreaker. I've since found a jacket and frankly, only wear the jacket if this is dirty and not an option. 15+ rides, more happy with it on every ride.