If you haven't bought the jacket yet, have a look at Joe Rocket's Alter Ego jacket. It comes with the liner, and with outsides that zip on and cover the mesh, and even a little soft backpack to carry the outsides and liner in. I haven't used mine in cold weather or rain yet (ok, in fact, I haven't even used the liner yet, only the outer covers and mesh jacket), but it seems to me to be a jacket with a really wide temperature range, and it's been great in hot weather. And it's not much more than a Phoenix with liner.