It keeps you warmer when you're not moving, which is good if you're like me and get perilously cold the second you stop riding. It stops me from shivering like a whippet at coffee stops. I also like the hi-viz stripes.
Good point, I've got plenty of nature's insulation and generally run a little warmer. Hi-viz stripes can do one though.
@monkdagola started
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It keeps you warmer when you're not moving, which is good if you're like me and get perilously cold the second you stop riding. It stops me from shivering like a whippet at coffee stops. I also like the hi-viz stripes.