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The one negative review of the Zoa insulated that I've found (off.road.cc) said that the jacket was actually too warm and bulky to be useful for riding with. Wonder if you or any of the other recent buyers have found it to be an issue?
Also, how is it in the rain? Tempted to buy one but would be sizing it as an outer layer.
Got out my Zoa insulated and man, was I toasty... lovely riding jacket and the two way zip is great for dumping a bit of heat... paired this with my insulated leg warmers which are a great bit of kit as well.
A+