I have to go cheap; no choice.

Since '04, I've had a Starter winter coat, with zipout liner that I mostly use for an extra layer elsewhere. I don't ride as far when it gets below about 37-38F. Short commute routes almost exclusively. I also HAD a no-name hunting jacket that claimed water resistance and sweat-wicking breathability. It did a good job, too, working down to about 20F. The fasteners gave out after about four years, not too bad for a $20 waist-length....

I think the Starter was about $40-45, both were purchased at Walfart. They DO have some good cold-weather stuff....

I WISH I had that kind of good fortune with my RAIN gear, lol.