Endura is becoming my go-to brand for cold or bad weather cycling gear. There's always one or two things that I feel could be better, usually with fit, but none of them are deal breakers and the value is fantastic. This jersey adds some warmth but has nice breathability. I sweat quite a lot, more than what technical fabrics can typically deal with, but even as this gets saturated it still keeps me warm. The pockets are nice, big enough to be useful, though as another reviewer mentioned the back coverage could be a bit longer, which also makes it somewhat more difficult to grab items out of the pockets.
For group rides, I prefer wearing a thermal long-sleeve under a normal jersey when the temp gets below 60 or so, and i'll swap this with the regular jersey when it gets into the low 50's and add a vest or wind shell as it gets colder. For commuting, this gets added at even higher temps since I'm usually not pushing as hard, and this makes an excellent mid layer for cold, wet commutes. The breathability helps me not feel like I'm melting when a rain jacket is added, and it provides some needed warmth on downhills or when some heavier winds are added to the mix.
The fabric/material seems high quality, and I haven't had an issue with it.
I wear this jersey (alone, no under layer) for early morning rides up the nearby canyons. When the temperature is around 50 F, plus or minus a few, I'm totally fine, even going down the canyons on the way back home, but I haven't tried it on anything colder yet. When it's in the upper 40's, I'll be a little bit cold at the start of a ride, until I get warmed up. I usually have to leave before sunrise, so it does get warmer on my ride, but that's about as close to a temperature rating I can give (I don't get bothered much by it being too cold, unless it's on my hands and feet).
I've only worn it in dry/fair weather, so I can't comment on exposure to rain, etc.
This is a nice, substantial jersey that I bought specifically for Twin Cities winter biking. It is well made, except the zipper sometimes grabs a bit, which is the only reason I did not give it a 5.
I like it enough I have started wearing it as a base layer for downhill skiing.
I plan to get another one.
Seems perfect for temps in the forties. very comfortable with the soft fleecy inside. Could be a little longer on the torso but still a great jersey