Putting together a charcoal overcoat and a crew-neck t-shirt is a fail-safe way to inject style into your day-to-day repertoire. Hesitant about how to finish off your look? Rock a pair of black suede loafers to spruce it up. A practical example of comfortable style, this getup must be in your front hall closet come cold days. If you're wondering how you should dress as a guy in his 40s, this combo is a good source of inspiration.