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.

 

Agreed, not worth twice the price for the same quality. Moncler fits real weird IMO and most of their jackets are short.

Array
 

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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