I recommend a proper, high-quality, box-wall down jacket. Most down jackets are stitch-through, so where the seams are visible on the front and back of the jacket, there is no insulation, only in the sections between. A box-wall jacket has walls sewn in (at considerably greater expense I might add) so there are no cold spots. However, they are quite expensive, often $4-500. However, they are very worth it, being light-weight, stuff-able and extremely warm. The down side is they are a bit puffy when driving, so I tend to tire of wearing mine by the end of winter, but at the beginning it is awesome. It is most useful in that I don't have to wear anything more than a t-shirt underneath to be warm, so when I arrive at work, which is often overheated, I don't end up having to strip off sweaters and whatnot, just take off the jacket to be comfortable once I get inside.