So, I've never owned a cycling specific winter jacket. I've heard that they work differently, i.e. the technology they have keeps you warm even though they're super thin. This however makes it difficult for me to choose the right one for me. I've been to the LBS and employees tell me that a certain jacket will keep me super warm. Then I look at it and it barely has any fleece lining inside. This makes me wary of dropping $200 on such a jacket. I also know that if I choose one with a huge lining I could burn up inside of it (I saw a Specialized one like that).

When the temperature dips below 30, I probably won't be going out at all. Even anything below 40 would take a lot of willpower from me. I'm not a cold weather person. I'm originally from Puerto Rico, but currently live in Alabama. Make no mistake about it, I still want to ride through winter, even if not everyday.

What should I look for in a jacket to know that I'm getting the correct amount of warmth for my situation ?

Also, any tips on how to save some bucks and still get a good one ?

Thanks