The Arc'teryx Covert Hoody is a great urban, general use women's fleece jacket. It is warm yet relatively breathable and has a great hood to protect you from sudden cold weather. It is very expensive, so if cost is an issue there are better options.
There are plenty of less expensive options with a similar function, like the Marmot Flair Hoody. If you are looking for a jacket that is better in high-heart rate activities, I would go with the Arc'teryx Caliber Hoody. Or if you would like a wind resistant jacket, the Mountain Hardwear Mistral is an excellent option. If you prefer to use a fleece as a midlayer, I would go with the Patagonia R2 - Women's.