I would like some suggestions for a warm top to wear in 10 to 30 degree weather.. Been mostly looking at cabela's store. They have some polartec tops, even (ECWCS) kind, as well as underarmor coldgear tops. Someone told me the best for warmth is microfleece or wool. I don't see many wool shirts at cabelas but polartec I think is like microfleece. My plan was to initially get a microfleece/underarmor base layer + a regular shirt. Or to get a lightweight base layer + wool shirt. Which is best?

How would you guys rank these choices by which is the warmest? can add your own choices too. My budget is $80 to $120. I like duofold but underarmor is highly touted for its insulating properties. And polartec looks decent. But I'm not planning to do a lot of activity so a wool shirt could work.

Underarmor Coldgear 3.0 - (reading reviews of some people saying it kept them warm in -20 weather or even -30 in michigan)
Duofold Expedition Weight - apparently used in the army which makes it seem good
Cabela's Polartec - looks like its warm because its microfleece