I finally settled on a coat. I don't have photos of it on yet, but here it is:
http://www5.jcpenney.com/jcp/X.....atId=50434|50445|64830
I got the ivory texture. It's a petite, so the sleeves are not terribly long, and it doesn't have a belt but it does have a defined waist. I think that is better for me, since I can wear it open when I want. It also fits with a little jacket underneath. This one was much warmer than the other one that I was considering, so it's the clear winner. I may switch the buttons out for brown, but I haven't decided yet.