his plaid blue , brown and cream coat is very insulated making it extremely warm. I bought this back in October but gained weight, so it's never been worn! The pockets are even insulated with the same cream color 100% polyester lining as the inside of the coat. This coat has splits on both sides which makes it a little more stylish! Because of the warm fabric you would have to over dress this baby. A light sweater or blouse ,top would work perfectly! Also it runs true to size (s) so if you're blessed up top or in the hips then this coat wouldn't work for you. Still a great piece to travel in over the winter months.