Overall it is a nice accessory to have. If you have a regular warm jacket for the cold days and normally wear a hoodie on warm days, I would suggest buying one. It's not necessary, but definitely helps keep you crewnecks / hoodies from getting wet in the ass.
It's kinda funny that most of the times that I wore this it was raining out. It keeps your body nice and dry. Even in straight downpour multiple times, water doesn't soak through (it does in the arm holes a little bit, but that's because they are open). Definitely a good thing to have over a crew neck because you don't get all snowy when you fall. I also had a little misshap while pond skimming and got soaked when my tips went under. The grimiest dirty water got all over me (I didn't fall, it just splashed all over me). and I thought it would stay dirty, but when it dried the dirt fell right off with a wipe of the hand and it still looks new.
It's a really nice vest. The colors are very vibrant. The only gripe I have is the cuffs and pockets are yellow, on Saga's website they appeared to be the moss colorway, which I think would look so much better. But other than that, it is a very nice vest.
At 100 dollars, it was a great deal. Considering it is the same thing as a jacket with zip off sleeves, minus the sleeves of course. Most jackets with zip off sleeves are at least double the price.
VERY TALL! I am 6 foot and it comes to my knees (it's an XL). I love it, so steezy. It's actually a little tall for my liking at 38.5 inches (zipper length) but I don't mind. Fits a little wide, but I cinched it down at the bottom and now it doesn't puff out like crazy. I wish Saga had in between sizes because I feel like a large would have been too short for what I wanted.
No rips, no tears, no stains, no burns. It is holding up great. I have fallen plenty of times without anything happening.