This was the second ScotteVest I bought. I have one in black and one in off-white. They are absolutely the best for traveling, and I have actually stopped carrying a purse on my daily travels. These are light weight so good for any weather. In winter I throw it on over a sweater and add a rain coat on top. Has plenty of pockets so I can stuff myself if I'm flying. If you stuff it, don't expect to look "slim" though. Though I wasn't uncomfortable at all when fully loaded. For daily use I carry my phone, wallet, keys, dog treats and poo bags, a mask, lip balm, pen, notepad, and a couple other small things. And I'm hands free, no purse to lose! In summer I just put it on over a blouse or t-shirt and have never been any hotter than I would have been without it. I don't wear skirts or dresses, but I don't see why this wouldn't look okay over an informal outfit. Anyway, my opinion.