Most shoe repair places that also sell construction/safety gear carry different lines of outerwear. There are reflective yellow vests and jackets that sell in the $50-80 range that are full cut, have removable hoods, have OSHA standard piping and trim, and are waterproof and flannel lined. You have to look. Do a search on Red Wing boots or somesuch and you'll fine one of these places. Like another said above, there are choices beyond just what's sold at bike outlets.