I second Bijou's suggestion of J Crew Lady Day coat, I have two an they have held up beautifully. J Crew has sales often, especially towards the end of season, so there is a good chance to get on a very steep discount (50% or more).

If you are willing to splurge, Mackage and Soiya & Kyo are my go-to for dreamy coats, and one can find a smaller coupon code from time to time as well.

Runcarla - sorry I did not read the other replies. I think it depends on the plan for use, amount of expected outings and longevity. If you are just needing a dress coat for occasional events and date night and you will not be out in excessive cold for long then I think any coat that fits the aesthetic would be great. I dumped big bucks on the aritzia babaton because I wanted a very, very warm forever coat and I have no tolerance for cold. So that made sense for me. If I was just doing a quick in and out I would be fine with something less. I do think JCrew makes nice and reasonable coats and your selections look great. I also own an old everlane cocoon coat that I love, it's shorter, less dressy and less warm but the perfect car coat. It's back in stock slightly different styles on colors and pockets.

Personally, I would do the inexpensive coat and save my money for something that I would wear a lot. As Gryffin said, a dress coat is usually for in the car and a quick run in and out, the higher quality, warmer coat would be nice but isn't as much a necessity in that case. I quite like the wrap coat you posted.

I'll just chime in to say that for our climate, I would avoid the tie coats with no buttons, or coats with just 1-2 buttons. Given the wind chill and snow of Ontario, I find those tie coats do a completely inadequate job since the wind just goes right around the open part no matter how you tie it. Also, they are fiddly, move around when you sit and need to be adjusted every time you get up, need a scarf to fill in the open area at the neck, and often look like bathrobes. I find the same for 1-2 button coats. Great for milder climates - not for ours.

I got a Harris Wharf coat from the Bay at a steal at the end of last season (you may remember) and it is warm, light and will last me for years and years (i wanted a comfortable, warm and not too heavy one I could wear to work.) You might try the Bay at the end of season if you are willing to wait.

Also - you could try a more streamlined puffer that is slightly dressier, that you can layer under. I got this one in caramel at an end of season sale last year and I wear it for EVERYTHING - from early morning walks, to errand, to out to dinner. looks sleek and stylish. You might want to give it a try:
https://www.kitandace.com/ca/e.....KCAjwkaSaB

I am a cheapskate Carla, and generally something that I know will not get that much wear I prefer not to spend a lot. However I have also been thinking recently, in a completely different context of a dressy sandal, that given I am 61, I should choose something that I would be likely to wear until at least age 70. I think we probably pick these round number ages as it’s about as far ahead as we can imagine. I am keener to have something that fits my particular aesthetic that I love and not something that will date *for me*. By that I mean say square toes- I have never liked them and feel it will be obvious in 9 years that they are of this moment. A more rounded toe won’t feel dated *for me* because I have always liked those whether in fashion or not.
To Roxanna’s point though, I always feel those tie coats look exactly like what I call a dressing gown ( in North America you might say a bathrobe?!)

I also had this wardrobe hole which I hadn't considered filling because I thought I could work around it. Had a beautiful knee length Belvest cashmere that always got pulled when there was a need to dress up but wasn't loving the style. Also another knee length black that never felt warm enough.
One day I was in The Bay just before Christmas last year perusing the sale racks in Kookai and there was "the coat". It was over size which I usually try to avoid and a tie waist, another usual no, but it felt and looked so good on, it came home. I have worn it with everything and I always feel great. I have sweaters or scarves if more warmth is needed but it is like wearing the most luxurious blanket and looks so elevated. I like to walk everywhere and have never been cold in it. Go for the good fabric mid price and you will not be sorry.

Can you get Cinzia Rocca in your area? They have good quality reasonably priced wool coats. I vote good quality, as this is for dressier outings.

What about this one?
https://www.uniqlo.com/us/en/p.....859-000/00

I second the vote to try an Aritzia in Tall size.

Are you sure a dressy wool (ish) coat would be infrequently worn? I picked up the slouch coat a couple of years ago and loved how it dressed up my more casual-leaning outfits. Sneakers, joggers, elastic ankle pants, cords, etc look so much more intentional with a nice topper. I was surprised at how much mine is worn.

That said, like you, my essential coat is a short peacoat. I picked up a secondhand men’s peacoat, in a wool/cashmere blend, on Poshmark this January and it already has 56 wears.

I would hold out for natural fiber (they are warmer than poly) and stalk the secondhand market to see what you can find.

Saw this article today and it made me think that you could get more Wear out of a cloth coat this way:

https://themomedit.com/style-w.....tee-shana/

Though I will admit that I always reach for the Kit and Ace slim puffer before my cloth coats of I will be walking anywhere...

I don’t know if Hobbs ships to Canada but they do good quality classic coats at not too scary prices.l personally wouldn’t go fora coat with a very high poly content.They don’t have the warmth and look shabby quite quickly,a little is fine but not the majority of the fabric content.l do have a few such coats bought in sales so l got a better quality coat for my money as it where. Like you l tend to wear pea coat styles more often but a longer coat is always useful and they last forever so l would
say spend a little more and get one you love.After all it’s unlikely that you will need to buy another if you aren’t wearing it constantly.l have a long coat in my wardrobe that is approx.30 years old.l still wear it and it still looks fresh and modern.