First off, this is made for snow, but I got it for year round commuting on my motorcycle. No armor(except for small amount of chest roost protection), and I don't believe there is room to add any (expected, as it is not made/intended for motorcycle use, I use standalone under it.) Very warm and a very comfortable jacket, even with just a shirt on underneath on ~40 degree days. Quality is top notch, as expected. The neck is a bit long for me and gets bunched up, but not a huge issue (not uncomfortable by any means, and if you aren't wearing a full face helmet you should be fine.) The only thing I would want added to it would be a clasp to hook into pants. Another A+ for Klim, products like this are why I keep buying more!