I got this jacket with the intent of it being pretty warm - at least warm enough for a fall and spring and maybe a mild winter. As I've worn it through the single digits I've been amazed by it's ability to keep me warm despite its thickness. I am 5'10" and athletically built and often find that things fir "shot" on me - but this jacket is nice and longer - also great for when backpacking and wearing under a pack.
I've found that because of the jacket's great loft I often am warmer when I only wear a long underwear top underneath instead of a fleece in addition because the fleece get read of the dead air space. When I go backpacking it also converts into a pillow by stuffing it into its own pocket.
I fell into a pond while wearing it once and was able to jump out again pretty fast. My shoes, pants, mittens, and hat were completely soaked, but the polyester shell on this jacket to my big surprise kept out most of the water during to quick unexpected dip so that the jacket still kept me warm while walking back to camp to change. Of course it you stay in water longer it will et wet and loose it's loft, but it can resist it for a little bit.
This is my favorit winter jacket that I have owned so far.