I like the Showers Pass Transit jacket for commuting when it's cold (45F or below). Eye-grabbing (but not high-vis green) color, wide reflective stripes, nice collar that doesn't feel like cold nylon, good zipper, and the pit zips are useful to regulate body heat.


Underneath the jacket is where thermal regulation happens. IIRC, as the temperature drops, inside layers go from LS jersey, to heavy wool jersey or base layer plus lighter LS jersey, to base layer + heavy jersey, to base layer + jersey + fleece top. With appropriate headgear, gloves, and tights, that's taken me down to 7F -- the coldest I've commuted in.