I love Columbia's jackets that are fleece lined, but the fleece also zips out. I have had the same one for almost 10 years and I'm always zipping the fleece out to wear it alone. Although it might be a bit above your budget, I'd look for something along those lines.
BulldogNebula t1_iz7gz9y wrote
Reply to A good jacket for the winter? by InTheKnow_12
I love Columbia's jackets that are fleece lined, but the fleece also zips out. I have had the same one for almost 10 years and I'm always zipping the fleece out to wear it alone. Although it might be a bit above your budget, I'd look for something along those lines.