Love this tri-top!
I'm 5'2", 106# and the small fits pefectly. I ordered both this and the racerback top and chose to keep this one. This top is shorter and generally more comfortable with a better, more uniform fit than the racerback.
I do need to wear a sports bra under it.
I did a long saltwater swim in it with no chaffing, drag or other issues. With the zoot tri shorts, it's long enough that none of my back is exposed on the bike, even in the aero position.
My only possible complaint is that the pockets aren't super easy to get stuff (gels) into and out of. But, the good thing is, the stuff in the pockets stayed in during the swim!
The design is very cute.