I've always liked Pearl Izumi clothing. Yes, it's expensive, but the ROI is that it lasts a long, long time with a little care.
My jacket is black in the front, turning to blue in the rear. Lots of well-positioned reflective piping. I just don't care for that yellow
color. No explanation on that, sorry.

I wear this when it is in the 60s and windy, and as cold as the 30s with additional layering. It has incredible wind blockage, and the collar pops up,
and may be zipped all the way.

Just make sure it has plenty of well positioned reflective piping, on the arms, chest area, and back.