Lady Hillary and I wear what we call "Fouly Tops," foul weather jackets designed for near shore use from Helly Hansen and Gill. I used my Helly jacket for 4 years of near daily use [including at the Portland festival last year] before it lost is waterproofing. It has a built in collar/hood and has reflective surfaces as well as being quite visible in compromised situation. They are made in several layers and do not get clammy. Plenty of pockets, velcro secondary closures in addition to double ended zippers. Comfortable, comfortable, comfortable. Plenty of room for sweaters when the weather gets cold.