I am very late here but had to chime in and commiserate about perimenopause/menopause changes, as well as finding chic, trendy clothes that won't break the bank!
One brand that might work for you is The Frankie Shop--have you checked them out? The do some tailored, oversized shirts, coats, sweaters, etc. in neutrals (camel, tan, white, black) plus some brights. Their stuff is available on TheRealReal too, at reduced cost (a few examples, below, though the selection varies a ton from day to day). The great thing about TRR is they list the chest measurements on everything but knitwear, so you can know with precision if something is going to fit.
ETA: I second (or third!) the recommendations for Uniqlo special collaborations, including the menswear. I wear menswear quite a bit (including blazers, pants, button downs, sweaters), and Uniqlo also provides the measurements of garments so you can evaluate fit quite easily. I think you are fairly tall? So this might be a great option for you to include in the mix.
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