I don't know about you, but the weather here in SF is a recipe for catching a cold. One day the temperature can be upward of 70 degrees while the next is chilly willy. I sure could have used this navy Cloak & Dagger Paddington Car Coat ($598) last night. The silk lining and deep pockets are perfect for nippy situations, but the price is way out of my reach.
To see the look for less,
This American Eagle Belted Peacoat ($120) is much cheaper and has the same epaulette detailing on the shoulders. The silky quilted lining will surely keep me cozy all Winter long. Done and done.