Dear Pam,
Either vest or jacket looks good.
I really like the pink lavender on the model. I think peach is more my color but it doesn't look good in the picture.

The vest is good because you can wear it more often. We don't really have three months of winter here where I am. Some years we only have about 8 days spread out from Dec to Feb. . . .The vest could be more comfortable in general. . . it depends. Either way, you;ll have something you like and can enjoy.

M