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This is the best cool-weather, insulated but breathable gilet:
http://www.assos.com/en/19/singleProduct.aspx?cat=6,19,28&prod=431
Available in red / blue / white / yellow for high-vis, or black.
In another league compared with the Rapha and Castelli vests (tried the Fawesome which had no rear pockets and the fit wasn't quite right, and the Rapha ones never appealed). Street price is £179, but wait until Wiggle have a discount offer, and it can be had for under £100.
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this is a very good gilet. 45% off too
http://www.sigmasport.co.uk/item/Mavic/Espoir-Vest-AW14/3ECC?wmp=594
how breathable is the hi-viz gilet ? just received my order and it feels surprisingly plasticky