I am thinking about purchasing either a heated vest or jacket liner. This will be my first heated clothing purchase. I am pretty much settled on Gerbings and at this point IÔÇÖm just trying to determine which makes the most sense. I ride with an Olympia jacket that keeps me comfortable down to about 45 degrees with the liner. IÔÇÖm concerned about too much bulk under the jacket, do folks ride with the heated liner under the jacket liner, or do you remove the jacket liner when wearing the heated liner? Also, has anyone who purchased a vest wished they had gone with the jacket liner instead?