Oh my, you live in Maine and only have two winter coats? Yes, you need more! And a sharp 3/4 wool coat would be the perfect addition. I'd add two, in fact. One that is lighter weight for Fall, and one that is warmer for winter. Then I'd add a sleek puffer - I know "puffer" and "dressy" don't seem to go together, but puffers have come a long way in recent years.
How's that for enabling?
I second Unmilila's recommendation for a Jcrew coat -- invest in one with thinsulate, which makes all the difference. Warmth without the bulk. My cobalt Jcrew coat is still going strong and it's been 5+ years. I can wear it pretty much throughout late fall, winter, and early spring, though I don't wear it when it's snowing or the temps are in the single digits. It was pricey but worth it when you calculate the cost per wear over the years.
For your lighter weight Fall 3/4 coat, I'd jump on that Zara coat in a heartbeat. SO pretty!!! I once had a similar coat, in a beautiful pink, I think it was LOFT brand. Wore it to death -- worked great in fall and spring, just not in winter. Once it started showing wear (light colors pick up dirt easier) I was ready to give it up but my DD then adopted it as her own, and wore it another two seasons. I'd add that Zara coat myself but I still have a light grey coat in impeccable shape, to fulfill this part of my capsule. I know from experience I just need *one* lightweight fall/spring coat.
As for the navy/ink choice, I'd have to see it in person and check out the fabric content and weight. Not sure it is winter worthy, or just fall weight.
As for coat shapes, I really love the shape of both your choices!! Very modern, on trend, and yet also, quite classic. This shape will work with jeans, casual, for work, for dressing up. Very versatile. I just wish Jcrew would come up with a coat in this shape, with thinsulate, and in petites. I'd buy that in a heartbeat, if you are listening, Jcrew...