It’s very comfortable and warm! I’m 5’3” and ordered the XS (my usual size) and it fit nicely with a bit of extra room. The chains are tricky to remove from the eyelet because of the t-bar closure, but not impossible. The only critique I would really give is that there is no embroidery backing/stabilizer for the inner threads. I could imagine wearing this with a low/open-back tank top maybe cause discomfort. Other than that, I’ve enjoyed my purchase and will try to wear it as much as possible haha