Tax in KY, NC, NV, NY.
First you need a jacket, then you need a vest. What you need is the reliably warm Thermadore convertible jacket.
Zip front closure.
Heathered down-proof fabric has a DWR (Durable Water Repellent) finish to help keep you dry.
800-fill goose down insulation provides excellent warmth.
Sleeves zip off to convert to a vest.
Fleece collar and cuff lining.
Chin is tricot lined to provide extra protection to your face.
Shell: 100% 38-denier polyester.
Lining: 100% 30-denier nylon micro ripstop.
Insulation: 90% goose down, 10% goose feather.
Hand wash cold or machine wash in front-loading washer and tumble dry low.