In reply to girlymonkey:
The decathlon jackets - I think they're called mountain jackets or something? - might be what you're looking for in terms of fit. They're actually pretty good, and cheap!
Difficult to get right without trying on though, so you might have to order online & do returns. Decathon seem to size incredibly small (ie. a decathlon XL can be another manufacturer's M) but the arms are indeed big for the torso size.
They have a men's and women's version; the women's version is not a copy of the men's, it is deficient (less insulation, non-lined pockets - why??) so you might want to try both if you go this way.