This pairing of an overcoat and khaki vertical striped chinos can only be described as devastatingly dapper and effortlessly refined. If you need to easily tone down this ensemble with a pair of shoes, why not complement your look with a pair of athletic shoes? It's very easy to see how this combo will keep you snug yet stylish all winter long. This getup illustrates that figuring out fashion at 20 is not that daunting a task.