I'm looking into buying a jacket for winter wear. I'd like to get an insulated softshell jacket so I can skip out on extra layers that add to bulk, but from what I've read, many people here seem to prefer just a wind/weather resistant outer shell with insulating layers underneath. could people explain pros and cons of both? optimally, I'd like to buy something I can wear all the time (commuting and going out) which means something I can wear when I get more warmed up from riding (commuting 6+ miles) and short rides where I won't be generating as much heat but can still be wearing clothes that I could go out in (not having to worry about wearing a million layers). is this possible, or am I dreaming?
If you are just looking for a single jacket that works well on a bike for short range commuting and also is good for everyday wear a standard Columbia type Polar fleece lined nylon jacket works well. It is very warm for riding with just a single long sleeve wicking shirt underneath. And a lot less expensive than a cycling jacket. The only issue is that if you are riding hard and getting it really sweaty you would need two because you are going to have to wash it after every ride or so. And it can take a few hours to dry out. But for shorter easier rides it is a good option.
This is another reason that the layering method is better for riders who ride hard because they can dry things out easier and wash things easier.
Also, some of the larger department stores sell breathable soft shell casual jackets which are made from Powershield fleece without the barrier membrane. These jackets are stretchy and breath very well and are water resistant and often come in two tone colors that actually look quite good with slacks and tie. With a nice quality polar fleece jacket layered underneath is is a really good combination for both warmth and breathability. And would be good for short range commuting.