To me, the right coat is as important as the right shoes! I have no tolerance for ugly or unfashionable coats. I don't wear puffy, hooded, badly fitted coats, or coats whose length or color clashes with my outfit.
Winter coats seem to show up in abundance in the secondhand shops. Lightweight coats are a bit more elusive, but sometimes, I luck out...
and manage to score something like this for 70 kr. (about $11).
For $11, there's no excuse not to be stylish ;-)