This Montbell vest was more than I expected. It's quite warm and the interior "pockets" were a pleasant surprise. The exterior pockets are generous and will also keep your hands warm. the only negative is that it's a bit tight fitting despite being my size. So, if you're looking to layer underneath, this might not be the right vest for you. I bought it because the only layer I intended to put under it was either a long sleeve shirt, or light sweater. Otherwise this is a great vest.
This review was written in the old system and had content requirements that are different than reviews written today.