Most duvet jackets will cope with dry snow but sometimes lots of insulation is needed in cold wet conditions. I recommend using an emergency shelter if you are stopped. I also like synthetic insulated jackets which provide a decent amount of weather protection and warmth when they get damp. And if you need even more insulation consider using the completely waterproof and amazingly warm Blizzard kit.
These items help solve the problem of adding insulation in the rain without getting completely soaked and they mean your waterproof doesn't have to be big and baggy!
(The photo shows me enjoying cold wind and rain, snug in a synthetic overshell jacket, FurTech jacket, trousers and simple baselayer. The FurTech jacket had dried significantly by the time I returned to the car.)
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