I'd go with a Voler Jet wind shell in Hi-Viz. It's fairly inexpensive, durable, and packs to the size of an orange. Put whatever you want under it. I've never worn an insulated jacket or softshell that I liked: they all get wet on the inside and don't breathe well enough to get rid of it. Plus then you're stuck with that one temperature range. Buy a shell and layer under it to suit.