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get yourslf some fleece comfies and a Frogg Toggs shell.
or get a Carhartt (or Walls - generic Carhartt) jacket with a synthetic liner (sherpa) for a compromise.
and keep an eye out for sales on fleece silvers. believe it or not Sears always seems to have the best prices when I look. $40 silvers for like $12 'n shit.