Nice, thick navy wool overcoat. If you're lucky you can score decent discounts for some of the better known brands (now might be a good time to look). You can try vintage/second hand, but ymmv. Otherwise, I'm pretty sure there is a decent D2C brand out there that offers good overcoats.

 

Check out Woolrich - sometimes they have good down jacket models that would fit nicely over your suit and are a blend of formal / casual that you are looking for. I had trouble with the Goose recently as they tend to leak lots of small feathers for many months following purchase.

Patagonia is a good option too.

 

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