“Not quite warm enough in windy cold”

“I got this as a commuter coat in NYC. It kept me dry, but as another reviewer noted, it stayed wet for hours. The sleeves don't cinch down enough when it's windy and wind gets inside. They have only two snap choices when really need some elastic or other method. The fleece inside the sleeve cuff is nice though. The length is good and the hood keeps my head warm. It really does not have any thermal or other insulation to wrap around you. It does run slightly small, as I feel just barely right in the 40 (size 8) with a thick sweater under it. Without a major warmth layer (or 3) underneath, this jacket will not be warm enough for full-on NY winter as I had hoped. I think it suffices until the temperature reaches under 30F. I think I unfortunately have to get another winter coat.”