Where are you going where you'll need an insulated jacket?
I ride in the mid-atlantic and an insulated jacket was the best investment I've made for snowboarding. I have a Stoic jacket with like 20/15k waterproofing/breathability and 100g synthetic insulation. The waterproofing might be over-kill, but I don't think I'll buy another jacket without insulation. I used to ride with just a shell and a fleece, but this is so much better. All I need is a t-shirt or long sleeve shirt for anything down to like 15*F.