Cold temperatures, wet weather, low visibility--we could load our gear closet up with all the jackets we need for our road rides. Instead, we choose the Urban Luminite II 3-in-1 Jacket to combat year-round conditions without spending a fortune or loading up our wardrobe. With a waterproof shell and an insulated vest, this setup already feels like it can do it all. Throw in high-visibility reflective panels, and we're ready for early morning commutes and nighttime exercise as well.