My brother made me a one-of-a-kind commuter jacket. Here are its interesting features.

Made of wind-resistant fleece, neon green.
Reflective patches on the back and sides.
Reflect stripes on the arms.
A high and tight neck to keep in warm air.
Extra long sleeves so that they tend to bunch up and not expose the wrists.
Extra long in the back for the bent-over riding position.
Hand-warmer style pockets.
Zippered pockets on top of the hand-warmer pockets.
A zippered pocket on the left breast, with "911" embroidered on the outside. Inside the pocket is a laminated card with emergency medical information.

The jacket is warm enough so that I can't wear it at temperatures above 40F. With another fleece jacket underneath, it will get me down to around 0F. With a heavy wool sweater underneath, I can go well below zero. With a sweater plus long underwear (plus a regular shirt of course), I have gone down to -20F.