like skr00z mentioned, AGV makes pretty good stuff for not alot of money, I'm sure you could get her a leather jacket from them for under $350 easy... actually i've got an alpinestars girls jacket that i might be willingn to sell fairly cheaply if it would happen to fit your girl... also www.newenough.com has alot of last years colors and things on discount, or i'm sure people on ebay are selling close out items for low price.... when i was working at dealerships all i ever bought was close out gear, you could get a $500 leather jacket for like $150, it was last years color or style but who gives a shit?

as for textile being good for cold i'll third that, my one piece winter suit is textile since no one really makes leather winter gear, like you said it would probably be too stiff and a full winter suit with insulation would probably weigh as much as a cow