I'm confused about your problem with cycling specific jackets. What do you mean by "cut for a road-style low profile while on the saddle?" I just got a Gill Pro Speed jacket for winter/wet weather riding and while it is very form fitting and comfortable on the bike (both road and MTB), it's also quite useful/comfortable as an everyday jacket. Maybe I'm shaped better than you In an attempt to actually be useful, I'd suggest looking at runner's gear seeing as how they have the same visiility needs as cyclists yet are upright for (most of) their exercise. The Pearl Izumi Encore jacket might be worth looking at (if it's in your price range). I bought one and probably would have kept it had it fit better. The medium (the smallest size offered) felt too bulky which is something I like to stay away from for riding. Otherwise, it's a very nice jacket. My Gill jacket is made from the same eVent fabric and is completely waterproof yet breathable (much more so than any other jacket I've ever worn).

And to be on topic with the original intent of this thread, I'm a newbie winter commuter too. I started commuting at the end of last winter so I have a decent amount of commuting experience but no snow/ice experience (except for some during college in Philly). I have my studded tires ready to go and can't wait to try them out. I'm sure I'll learn a ton my first time but until then, I'll be checking this thread and others in hopes of gathering a bit more knowledge about what I'll be getting myself into.