I have found that the cooling vest works best for me with a regular textile riding jacket. With a mesh jacket the vest drys much quicker. I usually carry a dry shirt to change into. I also put my wallet in the glove box because my pants tend to get wet. I also wear a Mission Enduracool neck sleeve.
I will also second Az Wingrider, the water from the cooling vest always makes the top of my pants wet. No biggie going down the road, but it sucks when walking around. they should put a waterproof hem along the bottom edge to retain the moisture from wicking down out of the bottom of the vest.
I ended up using my mesh riding jacket with just a neck cooler with same water absorbing gel inside. Easier to get rewetted and doesn't make my clothes as damp feeling all the way to my butt.