I think its different. Staying warm and not going hypothermic in the woods, in winter, logging, fighting frostbite is different than your cold, Butch. My cold is wet, 33 and raining and windy.
I don't wear rain gear much. My way is generally warm and wet. Sweat and/ or rain.
I'm a synthetic-type, myself. Couple poly/ fleece shirts/ sweatshirts, synthetic thermals, and synthetic arborwear pants in winter.
Summer, just one layer. Summer here is Nothing like yours. Probably closer to your winter (though I am looking to get cool vests this summer).
http://www.wesspur.com/clothing/high-visibility-work-wear.html
Cheap, and Class II for something... I don't know what Class II satisfies, legally.
("What do the Performance Classes mean?
Garments are classified as Performance Class 1, 2 or 3 depending on the total area of visible background and retroreflective material. The amount of required visible material increases with each Peformance Class. Performance Classes give users a way to specify the most appropriate garment for the use environment and hazard.")