Rapha, nice but a bit pricey?

i fancy one of those, just have a hard time swallowing the price tag.

would you say it's wind-cheatingness is enough that, if paired with a warm winter jersey ( rapha, natch) and base-layer, it might negate the use of a winter jacket, on all but the coldest days?

I'm mostly wearing the orange one with a merino base layer only & it's easily warm enough at the moment, as it gets colder, just add layers....but for when it is really cold the classic softshell is superb..... found out that the owner of Rapha lives next door to my wife's friend - next time they see him, they will tell him I paid for his house

ps I have a black XL stowaway going spare - hardly used -open to a sensible offer (£ only!)