I like the Pearl Izumi Whisper vest in neon yellow for visibility. When it's hot, the mesh back is cooling. When it is cool, I wear another vest under it that is windproof, and sometimes add arm-warmers. I'm new to riding and the traffic freaks me out, so I'm hyper-careful.
It doesn't have a back pocket. Not sure if I'd like a 2-way zipper. I'd guess if zipped up from the bottom it would flap.



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