If you're looking for a happy medium, why not opt for this Bailey 44 Off Shoulder Top. While the price is very reasonable, this product is an easy wardrobe update. You might also want to take a look at this Off Shoulder Top. It's an attractive option both price and quality-wise. Alternatively, opting for this Darling Tunic is a wonderful choice as well!
If you want to treat yourself, then what you're looking for is this Suss Tunic. It's more expensive but worth your money. While you're at it, also have a look at this Raincoat. Yes, this item is expensive, but it does not mean it's not worth it. It is also worth taking a look at this Hotel Particulier Down Jacket. You won't regret the money spent!