The quilted vest has come a long way. Sure your still going to see people wearing ones like this one below in People of Walmart.
However you will also see some great casual and still stylish ones as well. Stay away from the bulky ones unless, like Melanie, you live in a fly over state called Milwackee.
You can even dress them up a bit.
J Crew is my choice – Broadmoor Quilted Vest $129.00