The Terramar hoodie looks like a good buy. I would go for the full zip jacket version myself and add a beanie or balaclava--- easier to vent and get on and off. If they had a hoodie with a full zip for $30, that would be great.
I would avoid going for a cheap rain jacket as a windshirt. You have the DriDucks and that is breathable material. I would expect the Academy to be PU coated material and not breathable, making it a guaranteed sweat box if used like a windshirt.
Do read reviews on any of the major brand windshirts. You would expect them all to perform in a similar manner, which is NOT the case. There is strong consensus to the Houdini working well, but the Marmot Trail Wind has been given negative comments in the forums here. If you ware going to go cheap with a windshirt, I would look for an uncoated nylon windbreaker. You will find a lot of cheap windbreakers with light PU coatings and untaped seams, which is a design I never understood. They will repel light rain and give you a false sense of security until they get really wet and start piping water through those unsealed seams. Having cold water running down your neck isn't much fun! Trying to use one for a windshirt will make for an instant greenhouse. I can see the economy in buying a $10 windbreaker, but once you get into the $30+ range, you might as well bite the bullet and get the Houdini on sale.