I'm new to cycling and didn't think this jersey was going to be sufficient to keep me warm because it is so thin. Today, 11/7/2020, I wore it with a base layer tank underneath, and it was perfect. It was about 50/55 degrees when we headed out. Although the temps increased, the wicking/hydrophillic properties kept me dry, so I was quite comfortable. I'm anxious to try it as it gets colder. I'm hopeful that it'll keep me from needing lots of layers as I hate bulk. I would recommend.