V -- Terry had some of their hoodies on sale and I stocked up (last year's colors but the heavier weight--they make a lighter weight version, too). A hoody is great--keeps your neck, torso and head very warm. The only downside of the Terry hoodie is that it has one small pocket on the side. Zips up but only big enough for your keys. I also have some very soft Mt. Hardware hoodies that are nice but lighter weight. Hoodies are a good addition to a biking girl's winter attire.