Go for a pared down but refined option by marrying a blue coat and a turtleneck.
Blue Coat with Turtleneck Dressy Chill Weather Outfits For Women In Their 20s
This semi-casual combination of a blue coat and a turtleneck can be taken in different directions depending on the way it's styled. The whole look comes together when you complete your ensemble with a pair of brown leather pumps.