The stock photos actually don't do it justice. It looks pretty nice when worn--not too baggy or blocky. I'll be stashing this in the car trunk in case I need to change a tire, walk to a filling station, etc. Also good for walking around the neighborhood.
The reflectors are excellent as seen in photos. It is indeed fleece lined, and is medium-thickness, which would be fine for down to 50F with a T-shirt. The outer shell is a thicker, more durable material and should hold up well to pointy sticks, vines, etc. there are Velcro straps on the wrists so you can cinch them down. Zippered pockets, though one was slightly off center. A few loose threads I had to trim off. The hood was a pleasant surprise as its zipper removable.
This no name jacket is a bit on the pricier side, but it has some pretty decent features. It also doesn't look bad when worn, so the price is mostly justified. It did exceed my expectations, and I might consider this for singletrack riding. I did NOT test this for water proofing/resistance.