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Where do you ski? Hopefully somewhere quite dry, a hoodie is not going to be that waterproof. I would recomend trying to get a secondhand jacket, rather then a hoody. Or if you know anyone who works in the industry get them to pro deel you a jacket. That way it will be cheap, but actually keep you warm and dry.
And regarding layering, the layers you would need to saty warm would prob cost as much as a decent jacket. Tech layers do not come cheap.