I am very happy with this pannier, it holds a ton of groceries and almost has a insulating effect. It's a very thick material with several layers and it feels like insulation but I'm not sure if it is or not. But it is very well made. I really like that it is not covered in reflective strips. Its very subtle. Definitely worth the $82 I paid for mine. The outside pockets are awesome because they hold large bottles and don't have any stretchy or bungee material that wears out after the first bottle you try that is to big.