In my opinion, bike-specific gear isn't worth it. I used to buy it, and over time I switched to regular outerwear. I didn't notice a real difference. Recently I've gotten almost all my outerwear used on eBay, which obviously saves a ton of money compared to buying it at bike shops.

Where do you live? I'm surprised you use what sound like such heavy jackets. I live Minneapolis, which gets as cold as almost anywhere, but I never wear a full winter jacket. I find I'm most comfortable in the cold with a fleece layer covered by a wind-proof layer. I think you might find if you stay warm enough in your hands, head, feet, and crotch, you're most comfortable with lighter jackets.