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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 [0] ($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 [1] ($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.