I use and like the Alertshirt.com wicking ANSI green tees. I have considered but have not tried their jackets. In cold weather I wear several layers, with a large bright green windbreaker on top. Then as I ride and heat up I remove underneath layers but keep the windbreaker. I'm not sure that an insulated jacket would work out for me. I suspect I would either be too cold at the start of my commute or too hot at the end. Curious to see what others think.