Vests, hands down. As mentioned, they're more versatile.
My current favorite vest is the Sheila Moon fleecy one. I have a couple of voler windstopper vests (one is the AV one) and they're great, too, for a very cold day paired with the fleecy Sheila Moon arm warmers.
I tend to wear vests instead of jackets a lot in ordinary life (non-cycling) these days as well.




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