I have the phantom in white as well. It's okay, but the fit isn't great for a lanky/skinny lady like myself. I have an xs, which fits well through the shoulders and bust, but it's a bit short, which means I get a breeze on my midriff.

As far as warmth, I use it mostly in the 40s and 50s, with a base layer and sometimes arm warmers underneath. On today's ride, (44), I had two base layers, short sleeve jersey, and arm warmers underneath the phantom, and I was a little chilly, but I run very cold.

Anyone happen to have recommendations for anything other than the phantom?