Found a great jacket that is waterproof, warm, more visable than you want, and inexpensive.
Bright yellow or ornage with a great deal of silver 3m reflectives. 100% waterproof (to some obscure blood pathogen level ) Zipper and snap front & elastic cuffs. 3/4 length & ligtly insulated.
I use it over my old, worn out roadcrafter suit but it would do well over anything else. Sizes are big.
Last I checked, these are the sizes they have available:
4X = 14
5X = 19
4X = 26
5X = 9
Punchline is: regular price US$150, reduced to US$30. Cost me about CDN$50 to pick up accross the line. Wore it all winter and, although its too big, it is frighteningly visable. If folks hit you with this on, they were planning on it!
ps.. I get nothing out of this. You buy it direct and save you're money for gas & tires!