This combination of a suit and a charcoal cardigan couldn't possibly come across as anything other than incredibly stylish and refined. Our favorite of a myriad of ways to round off this outfit is with a pair of navy leather derby shoes. During the colder months, when functionality is top priority, it can be easy to surrender to a less-than-stylish ensemble in the name of functionality. However, this ensemble is a shining example that you can actually stay cozy and remain equally stylish during the colder months.