I just found a zip up down sweater jacket by stormtech.ca at Costco that I couldn't pass up. Very similar to these: <http://www.stormtech.ca/dsw-1-men-s-summit-down-jacket.html> but at $79. They had down jackets by 32 Degrees, like what you might put on over this, for $49. With these, I'm thinking I don't need quite so cold of UQ and TQ.
Just wanted to pass along the info, finding affordable down isn't always so simple.