I live in South Florida and only get out to the mountains (ie high Sierra or similar) once a year for a 5 day trip or so (between early July and early September). I wanted to lighten my load from a 16oz fleece jacket so I purchased the Ghost Whisperer hoody for $250 and wore it on the coldest night we had this winter. With just a T-shirt sitting down it kept me warm to 50F. For such an expensive piece I thought it had little loft. Realistically I may only use this jacket once a year (no other practical Florida use) though its possible I may go somewhere colder in shoulder season sometime in the future (ie I hope I can get away more than just once a year β for example Thanksgiving time in Zion).
So my question is, am I better off just getting the Uniqglo, assuming itβs a sufficient summer piece, and buy a heavier down jacket in the event I need something warmer OR stick with the Ghost Whisperer for all my needs? At the $250 price it would need to be my one down jacket (alternatively I could buy a 9oz hooded Uniqglo for $70 and a 14oz Montbell jacket for $200, if needed) Any other suggestions?
Keep in mind I have no plans for any mountain winter expeditions where I would need a serious down coat. Also, I already tried the Montbell UL parka and found it way too short.

