I apologize. I should have have been more specific. I guess I'm looking for a "get me into late fall/early winter in Chicago hoodie" with proper under layers. That is more like low 30's-high 20's at night. At that point it comes down to insulated hoodies or ones that are made out of more efficient(expensive) materials. I agree with EpicSchwinn about sweatshirt hoodies. Just wondering if someone has found something like that for around $80. Sorry for any confusion.