So, I just got this jacket in the mail today:

http://www.amazon.com/Pearl-Barrier-...l+izumi+jacket

I chose XL size, but now I'm debating whether I should keep it or exchange for a Large. It's not something that you would say is way too big for me, but it's not completely snug to the body either. I haven't tried it on the bike yet, but when I simulate leaning forward while standing up, a hump forms on the upper part of the torso. Mostly it's not snug on the torso, shoulders seem fine. I'm trying this with a baselayer and a thermal jersey underneath, which is the setup I'm going to use. I guess it's also important to mention that I have a belly, not a skinny rider. I'm 5'6'' and 195 lbs.

What would you do ?