So get real, figure it out, wear a cardigan. And guess what, some are available in an amazing fabric that is highly insulating, water-resistant, breathable, and moisture-wicking! This incredible material was invented by sheep a few million years ago.
Every major golf clothing company offers at least a couple cardigans. Per typical, most offerings are about as exciting as the rest of their line. This may or may not suit you, depending on your age and/or personal style. Aside from scouring consignment/secondhand/vintage shops, you may have a difficult time finding what you're looking for.
I stumbled across the dinodirect website, which is a worldwide online store that offers tons of cardigans, most with somewhat livelier styling, and reasonably priced. I can't yet vouch for the workmanship or quality of material. Most shown are cotton.
|keeping it real golfy, with scotch plaid elbow patches.|
|classic cardigan w/ subtle stripes and metal buttons|
|picnic plaid. skip the bow tie (unless you are a nut and/or shoot below par)|
|stripes in graduated shades|