I have three vests. One that's a wind blocker, one that's a thermal wind blocker and one that's a safety vest. My wind vest I wear alot. It's one of my favorite pieces of clothing. The thermal one is my standard winter vest. I wore it today for the first time this season. My safety vest is the typical dork style vest and lives in my backpack. It comes out anytime I ride in the dark. The wind vest is yellow, the thermal is mostly white and of course the safety vest is yellow with lots of reflective stuff. I don't think there is just one vest that would work for everything. bikerHen