My barn used to have a tack shop and they were having a sale so I got for 80 bucks a down riding jacket from Horseware. I regretfully cannot find a picture of the model online. It's very warm and comfy, and it breaths nicely, however it isn't the best for water. It would be ok in a light rain or snowfall, but not a heavy one for a long period of time. I don't go trail riding though, so it's fine for me. You can also unzip the sleeves and turn it into a vest but I don't like the way it looks so I use my light weight, water proof, down vest in the fall when it's less cold. :) That vest I got at a sport store for 45 bucks. It was 60% off, so my mom convinced me to buy it. Happy I did because it fits so nicely and it feels like it was made for riding. :P It's the perfect length in the back
A ride a day keeps the worries away!