I am 5'4; 48inch shoulders (wrapped around); 42inch bust, (36 DD/DDD) 36inch waist, and 50 inch hips... The XL fits great... actually quite loose...not form fitting at alll for me. There is definitely enough room to layer sweaters under the coat and room for comfort.. The length from the top shoulder of the jacket to under the "armpit" of it is too long for me... but even when I was a size medium I had the same problem with coats of this sort of style so I'm assuming it's my height.... It feels super soft and is warm. I hope it is a heavy enough coat for NY winters.