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It adds insulation to any jersey, while retaining the functions of the jersey. Access to pockets etc. Less faff than gilet.
I think the Albion one is too thin for winter riding (probably great for intended summer mountain-descent purpose). Get a kids jacket from eBay and cut one out. Choose your insulation thickness. It’ll cost you about a fiver to try.
hows this or the albion thing diff to wearing a brevet insulated gilet?