the inner fleece of this hoody is the main selling point. It is so so warm and and comfortable, even if you wear it without a shirt under (yah yah, I get lazy when it's 3 am and I have to drive my girlfriend home). Funny thing, even my girlfriend loves it. The only complaints I've ever heard about these hoodies are that they are designed to look like children's hoodies, but I kinda like the design and the speckled colour. I actually own the black and red ones. Great hoody for Canadian winters.