The Velocio LUXE Air Jacket is an insulated cycling jacket that carries the weight of a long-sleeve jersey. Insulation covers the front while fleece runs across the back and under the arms, so two layers share one piece. That setup replaces a stack of winter layers with a single jacket. What Our Gearhead(R) Experts Are Saying:"I start winter rides near freezing, and the front insulation keeps my core warm from the first mile. Once I'm working, the fleece across my back and under my arms lets heat out, so I'm still wearing the jacket when the afternoon warms into the fifties."