Well, after ordering and sending back 4 jackets, I found a GREAT one at a LBS I hadn't been to before. Actually, they happily ORDERED it for me in my size, no hassle, no 'restocking fee' at this store.
I am so happy with my new BURLEY jacket. It has everything I want: windproof, bright yellow, pit zips, 2 way zippers and fits proportionately for a female body. I got a medium and my fitted fleece jacket fit under it and I was warm and dry after riding in 40 degree rain this past weekend. (yes! Pittsburgh had snow flurries in late April!)

I bought new riding glasses, too, which fit great... I just need to figure out how to snap out and change lenses, but that's another thread.