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A warm wool coat is perfect for when the mercury is hovering just around the freezing mark.
That's why a proper winter wardrobe has at least two coats: a wool one for stylish layering when the temperature is just relatively cold, and one for when it's incredibly cold, windy, and snowy, and you really need to bundle up.
Having both of these two coats is super important - you wouldn't want to wear one coat on a day that requires the other.
If you're a guy who wears a suit every day, you will also want to add a topcoat into the mix.