The only really difference between ski jacket and other activity jacket is the snow skirt that stops snow getting inside the jacket from below. If you are not going to be skiing n powder or usually ski within your ability and don’t fall often or ever. Then I think the snow skirt is a little redundant for you.
I get super hot when I exercise or do anything active and last few times I’ve been skiing its been warm (in ski terms). I’ve opted to leave the ski jacket and use one of my waterproof biking jackets, Altura Mayhem performed great. Keep the front zipped up to stop chest from getting freezing cold air blasted at it but keep the vents open to allow some cool air in to regulate my temperature.
Agree with the others in that a shell jacket with layer underneath is the best. Makes the jacket much more flexible and you can use it in almost any condition. On a super hot day just wear the jacket with a t-shirt underneath. As it gets colder just add a base layer or soft-shell etc until its suitable for the conditions.
Also have a look at online stores like Absolute Snow, there are usually some bargains to be had there too.