try orage.. i just got a byron softshell (not the cotton one) for cheap... warm enough for me to ride to work in ~0*C weather..... the one i have is not 100% windstopping but with a merino tank top and micro fleece long sleeve i was was more than toasty... perhaps too much... i'm still trying to find my balance.

for a full-on rain jacket i searched forever and found a marmot precip for ~$50 on ebay (definitely a score)... a great jacket... well fitted... technical aspects, but doesn't look 'robot'...

gl