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To throw a spanner in the works my current go to (with a long underlayer) is a lightish jumper (usually woollen) and a shell jacket that doubles as a raincoat over the top. Super efficient at keeping out the wind and easy to pack down. I walk everywhere so it’s heaps warm enough the wool jumper is warm for inside.
Other than that I would go puffer first for packability (I love my pea coat but rarely wear it now)
After jumping into the puffer jacket thread yesterday with a bold claim you need neither a big jacket nor a puffer…I succumbed today and am now one of the great Melbourne puffy community.
My fav little local store was having a sale so I got a proper down one for half price so just a bit over a hundred. I have to admit I am very toasty warm