The classic camel coat never goes out of style, I've had the one above for years and its still going strong. It also suits literally every skin tone and provides instant 'chic' to any outfit whether it's jeans or a cute dress. And it's also WARM!! Yes people actually chic AND functional!
With that in mind I would definitely consider investing in a good one, as its also super versatile for every occasion: commuting to work, brunch, lunch, off-duty weekends....
Please see my edit below (for a variety of budgets).