You are over paying big time:
And if I lose belly weight, would that affect fit?
My unsolicited advice: Wait until you've lost the weight that you are planning to lose
Then buy a PeaCoat.. Also, in California, where I also live, we haven't even had what
passes for winter in our state, unless , of course, you live at 7000 ft in the Sierras.
Also, Pea Coats are very warm....