The velcro tab is not necessary and got stuck in my hair
Used as an insert for my 15 degree bag while hiking and camping in below zero weather. I was very happy with the results. This liner added a nice amount of warmth and I was impressed with how soft it is. My only complaint is the stuff sack is very cheaply made. It tore on the second day of camping. Luckily I had a spare sack to place it in for the remainder of the trip.
Love live love