An overcoat and navy dress pants are essential in any modern man's wardrobe. Rounding off with navy loafers is a fail-safe way to inject an element of stylish nonchalance into this look. Can you see how extremely easy it is to look seriously stylish and stay warm come fall, all thanks to getups like this? And if we're talking outfit ideas for 20-something guys, this look is a good look on almost anyone.