Well it is starting to have its cold days here, where my sweat jacket and leather vest is starting to not be enough. I bought the HD Competition III leather jacket with body armor and lining. It didn't come with a back piece of body armor, but sure you could buy one for a small fee. The lining is removable. I will be able to try it out tomorrow night when I get off work and see how it is in the mid 40s. And it's supposed to be water proof. I have rain gear but if I get stuck before I get it on it will be nice to know that I won't be totally soaked. I'll update after I ride in it.