I haven't yet found a great warm dressy coat, but my trick is to layer a very thin down vest (I have this one by Marmot, it is very warm and very thin! Marmot Jena Down Vest - Women's - Free Shipping at REI.com) under my dressy coats. Works like a charm until we get below 0 weather - then, I don't really care what I look like!

Signed, another MN curly