John,

They're outside your price and time frame requirements, but you can't beat the warmth from a leather kilt. Utilikilt has black leather kilts, Robert at RKilts has many colors of leather kilt.

I have a UK brown leather and an RKilt saffron leather and love them both. Keep me toasty in the foulest weather. Worth saving for next winter if warmth is the key requirement.

Ron