NZ sizing = UK sizing, we don't do size 0 here (thank goodness!)

Ground Effects stuff is very generous. I have the Ice Queen jersey in L- well its far too large for me now. I know the size chart says its a women's size 14 but really it fit me best when I was 16/18.

If you are wondering about the chamois, it is a soft one, on par with Shebeest Shelastic chamois.