True to size dry, stretches in water. I would rather it had adjustable toggles at the bottom on either side of the zipper for an adjustable snug fit because the bottom tends to float up in the water causing a poof (Bubble) in the chest area. This makes it look unattractive when wet. Thumbholes would be a great addition because the wrist is loose for me and rides up a bit. Material is light weight so definitely wear a sports bra, swimsuit, or anything to cover the breasts underneath. I like how the collar comes up to cover most of the neck area that way I don't have to wear a hat with the flap down the back. It looks attractive dry and you can't beat the easy on/off zip down the front! (I still think it is priced too high)