I've got that same Jacket Steve, had it for about 2-3 years or so. Love it, very versatile, have had a few offroad rides in 25-30 degrees with the outer layer off the jacket. Works well. Can get a bit hot in single track but soon cool down once moving again. Use it everyday to work and back. Only put the waterproof liner in when its actually raining. Haven't used the thermal liner yet.