UPDATE: Well I liked Pearl Izumi too, but I think they have a thing against us Clydesdales. They have very, very few articles of clothing that come in XXL. I just started riding seriously in March and I've dropped about 15 lbs, but I'm still gaining as much muscles as the fat I'm losing, so total weight loss is slow. But I am slimming down quite a bit. I've gone from a XXL short size to a XL short size. However, still got quite a beer gut to get rid of and I just can't fit into a XL Jacket/Vest/Jersey. Which sucks because Pearl Izumi has a nice Jacket that has zip-off sleeves to make it into a vest. That is exactly what I'm looking for.
So had to do some other searching. I ended up taking mrfix's advice and found a decent wind/water jacket and a good vest. I went with the RLX Polo Sport Speed Jacket and RLX Polo Sport Speed Vest. I'll let you know how they work. After thinking about it for a bit, I found mrfix's advice the best option. Plus this jacket I ordered zips up into a fanny pack, which is perfect.
Thanks for the help,