I live in northern MN, so pretty cold here too, and not dry and sunny cold either..
There are still plenty of warm ski days between Spring and global warming...
As others said an uninsulated shell can work fine, in cold weather just as well as in warm weather. My winter jacket is basically shell+baselayer warmth. I do not have any insulated ski jackets. My kids do though, and they love them.
That said, a well made, lightly insulated shell is a bit more comfortable and easier to use. Less layers and zippers etc, easier to grab and go.
There is no best option, both have pros and cons.
So my vote is:
first purchase: insulated shell, make sure it is roomy under the armpits, as
@François Pugh mentioned, and get appropriate mid layers. (Including a vest for that reason).
Second purchase: insulated jacket. In that case, it doesn’t have to be waterpoof, but I think most are anyway. It better be super well made: patterning, fit, features, notions, everything must be spot on, otherwise you lose the one benefit of comfort and convenience.