Replying to Shell Jacket vs. Insulated

ok this is my dilemma ,i cannot decide on whether i would buy a shell jacket or an insulated jacket. i want to either get a patagonia powder bowl jacket and pants ( Shell) http://www.backcountry.com/patagonia-powder-bowl-jacket-mens or a marmot lz jacket (insulated) http://www.backcountry.com/marmot-lz-jacket-mens . currently i do not have a jacket or pants ( sold em both at my ski swap) i will be able to ski about 20 times this season from now till mid jan, i am probably going to a college in the south from jan till may so i wont be able to ski so is it worth buying an insulated jacket for only 20 skiing days. if i have a shell i will atleast be able to where it at college on cool days without being too hot. any ideas, thoughts, opinions???