This will be my first season riding with a tekvest and I am unsure of what kind of jacket to wear with it. I am in the market for a new jacket, it will be a Klim jacket, just not sure if it should be insulated or non insulated. What specific models do people like to wear? Also, I typically wear a medium, should I now be looking for a large to accommodate the vest? Do people wear the vest right next to the shell or do mid layer jackets go over ther vest? Sorry for all the questions, but I'm new to the tekvest.