Cheaper kit option
I use Triumph (Triple Collection) jackets bought off ebay much cheaper than anything new. The best ones are with the chequered shoulders (like a chequered flag, with the white bits reflective material), in my experience. They come with a zip in fleece and full armour. I came off at about 60 in one (just sliding down the road - didn't hit anything luckily) with very little damage and I've found then completely waterproof. The sizing is quite generous. Some of them don't have poppers on the front flap over the zip in the section between the belt and the collarbone, but I had some diy ones also off ebay which I added (might have been okay anyway - they were designed like that). They come in black, green, yellow, blue... You just need to be bothered to keep a watch. Last one cost me £20 plus postage, without an inner fleece, but I had one from another jacket.