Which one is the cruiser? Is it one of the ones in your first post?
If you have surplus shops, you should easily be able to find a good heavy jacket for less than $100, and I imagine Austin has plenty of surplus shops (it's Texas).
How cold are we talking, anyway? I've never been to Austin, so I don't know what kind of temperatures you are talking about, and what you normally wear at those temperatures. I've got a leather jacket with a nylon lining and polyester insulation that I wear in well below freezing weather that keeps me perfectly warm, I got that for 8 or 9 bucks (I'm pretty sure I mentioned getting it in a post last January). I'm pretty sure it also fits the description of bomber jacket, what with the elastic at the bottom to seal better.
If you are looking at surplus, from my experience, boots are bigger than they say, but everything else is a good bit smaller. My friend and I have to look for XL clothes at the surplus shop, and I'm 6'2", 165lb, not exactly what you would consider extra-large.