not sure how to read the emoticon, but the problem is that you are stating that last part as fact, and its not. its opinion at best, and it might be wrong.
its not a chesterfield top coat or some other coat that is inherently too formal for a tee. its a very nice coat, that has a SWD vibe, and is open to a pretty versatile range of uses. including, in this case, over a tee.