BTW (to IXL or whomever) I just tried on the Nano Puff fleece jacket you recommended. They didn't have any mediums but a large slid in easily. I almost could go for it, but I'm a little worried that a down jacket under cowhide would be too warm. I was in a warm store, but I wanna tell you, when I zipped it up I was hot! I do want something to layer that'll solve my problem when I get too cold on a bike, but I'm afraid the Nano Puff or similar might be clammy warm.