Totally agree with your ideas on the waterproof outer layer. I was making the same comments on the Klim ADV Air thread which will also use a Goretex outer jacket which will be fairly easily damaged in rough conditions or a fall on pavement and will be expensive to replace.
In fact ... F Klim, I'm buying yours
The Frogg Toggs are cheap and work well. I got the high viz jacket for rainy weather visibility with the black pants.
Also your jacket with the Warm & Safe waterproof, windproof and heated liner sounds like the perfect combo for brief cool weather showers .