I just picked up a montbell UL inner down jacket (L). I got that to replace an XL montbell UL Alpine down jacket which was a bit overkill for my 3-season trips and also slightly too large for me. I could have fit any number of layers (including a thick fleece)under this jacket easily, to give you an idea of the size.
Back to the UL Inner – it actually fits a little snug. I tried it on with a t-shirt yesterday and because of the width of my back, it definitely hugs me when I stretched my arms out to the front.
My questions are: is this ok? – the fit is not uncomfortable but I wouldn't be able to layer much underneath it. Or, should I look for an alternate jacket that fits a little looser in a size large? Any suggestions? Thanks.

