First off I love the price! It's a great value considering it comes with all of the body armor already in the jacket. Second, the zip out insulating jacket is great. I have yet to need it, but I'm glad it's there. Even sitting in the sun this jacket stays fairly cool as it is all mesh. Once you get going the entire jacket gets the breeze. It's a great jacket because if it's cool in the morning you can keep the liner in and remove it when the day heats up. All in all I would say buy this jacket for the summer.