I would go with the warmest possible coat of the two you showed us. They both look good to me.

When it is midwinter and below 0 F, you are not going to card as much about style. I agree with what Kkards said about having both snap and zipper (2-way for the car). I also like good side pockets open for easy access, no flap on top. I wear silk thermal underwear daily. It breaths in overheated indoor rooms better than many fabrics and foes not add bulk. Welcome to the Midwest. You will always have something in common with strangers...the weather.

I am with the others in feeling that gear coats are typically best for warmth. But I also agree with Lisa P that there are some amazing warm and STYLISH options as well. In particular, Soia & Kyo. (They also make wool coats). Nordstrom's has a few options from them.

My own puffer coat is from another Canadian company called Lole. A version of the Find below. Very warm, good features, wears like iron.

I also have several wool coats for slightly warmer temps.