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I recommend buying a jacket at least 1 size larger than you think in order to fit your PFD INSIDE it.  You’d be amazed at how toasty warm a rain jacket can be with your PFD serving as insulation.

You make a real good point jj!
I wear a XL rain jacket so I can wear PFD under it on rainy travel days.
Besides the warmth factor, I find the PFD helps with the air circulation factor when using the pit zips to help vent excess sweat.
If I was just sitting and fishing, a Kelly-Hansen type rain jacket/bibs would be my first choice for rain protection.

Add in the exertion factor, and you need something that allows vapor to vent as much as possible. The Campmor item I referenced with its pit zips/pocket venting mesh and caped back, gives that versatility at a very affordable price.
 I had a expensive Gore-Tex jacket for about 5 years, but was lost in an airline luggage fiasco :(
 My new choice in rain wear was a pleasant surprise and so far I've never felt the need to spend more for premium Gore-Tex, not that there's anything the matter with it.