What Our Gearhead(R) Experts Are Saying:"I wore the shell alone on a rainy commute one day and zipped in the liner the next when temps dropped, and it never felt like I was missing the right jacket for either day. The hidden hand pockets kept my hands warm without adding any bulk."The Lovering 3-In-1 Insulated Jacket from Lole handles the unpredictable stretch between fall and winter, when one morning calls for rain protection and the next demands real warmth. A water-repellent, breathable shell and a quilted liner zip together or apart, so the same jacket adjusts to whatever the day actually brings instead of forcing a guess before heading out. A 10k/3k waterproof breathable membrane keeps the shell reliable in wet weather, while 170 grams of Primaloft Rise Padding in the liner adds warmth without unnecessary bulk. A fixed, adjustable hood seals out wind, and hidden hand pockets with zippers plus three inner pockets keep essentials secure through layering changes. Made with OEKO-TEX certified recycled polyester, this jacket covers the range of cold without cutting corners on how it's made.