When a jacket feels cold, the cause is often not the insulation but a gap. Cold air finds its way in at the neck, wrists and hem, so the details around those openings matter a great deal.
A well-designed hood has an adjustable opening so it hugs your face without blocking your sight, and a stiffened brim or drawcord to stop wind from pushing it back. A high collar that closes against the chin protects the neck, a spot where heat escapes quickly.
Cuffs seal the wrist. Elastic or hook-and-loop closures stop wind creeping up your sleeve and let you tuck gloves under or over them.
Look for a storm flap over the main zip and a drawcord at the hem as well. These details cost little and decide whether a jacket stays comfortable when conditions turn rough.