This elegant combo of an overcoat and a charcoal check wool suit is truly a statement-maker. The whole outfit comes together quite nicely if you round off with black oxford shoes. In winter, when warmth is critical, it can be easy to settle for a less-than-stylish getup. But this getup is a bright example that you totally can stay warm and remain equally stylish during winter. It often pays to break out of your style comfort zone as a 20-year-old and move into a dressier one.