I need a top layer that's breathable. Right now, I've got a wind-proof, water-proof jacket that seems to be keeping IN the sweat just as well as it keeps the water OUT.

On the coldest mornings (only about 20 F ) I don't have as much trouble as I do when the temps get a little above freezing and I sweat a little bit more. The couple of times I've ridden home in that weather, I seem to catch a "mini cold" from being sweaty and cold at the same time.

Suggestions and recommendations please (and I'd like to keep the price down if possible).