Fantastic! I saw the light!

I think I have my combo. The fact that alot use an insulated jacket induced me in error. I made a mistake by buying a cheap (and ugly) rain jacket. This is probably the most important part of the equipment.

Top layers for a one year tour (summer 30°C to winter -10°C)

- A sports t-shirt
Polyester, breathable, long sleeves (or not?), stylish enough to be worn alone during summer.
Use as a first layer.

- A shirt (possibly)
Long sleeves, fast drying while maintaining a classic appearance (70% polyester?), fited / short, business style, light color but not too messy (light gray?).
Worn under the softshell for the most chic look.

- A wool sweater (alternatively a cheap fleece / poly sweater)
Smart enough to be worn alone, V-neck to be worn with a shirt.
Use as layer when it's cold or alone inside.
Pullover wool elasthan mix - €15

- A softshell
Unlined (light), without hood, with a good fit, with pockets (for phone, keys, etc...), smart enough to be worn without shame in fancy places.
Used everytime it is cool but does not rain, or with the rain jacket when it's colder.
Regatta Nebraska 2 - €40

- A rain jacket
Hooded, highly waterproof, highly visible and reflective.
Used for riding during cool nights, when it rains, or for staying warm when camping in very bad conditions.
chinese waterproof hooded cycling jacket - €50

- A Buff
Classic poly model (or insect / UV?).
Wear it as a muffler for insects, as a hat for sun, beanie or balaclava for the cold, or as a scarf for style.
Buff multifunctional tubular - €15

I still hesitate because there is not much 100% waterproof jackets that are both hooded and reflective (or so expensive).

What do you think about that ?
Some references ?