I never would have guessed someone called LA guy would be from kingston ;p Ranjeev, I'm not sure what the weather is like in kingston, but in waterloo and toronto I can't ever remember it being too bad. I bought a 3/4 length (drops to just below the knees) overcoat a couple of years ago and I don't think I could do without it in the winter. Having the top of your legs covered makes such a big difference, especially when it's windy. In selecting an overcoat (if you decide to go with one), you'll wan't to chose one with a relatively high closure so that your chest isn't exposed very much. The V of my coat is a bit bigger than I would have chosen if I bought a new one today, but I wrap a cashmere scarf around my neck and then tuck in the ends so that the open V part is completely covered. I live in montreal and this keeps me really warm. The only time i get a bit cold is when it's REALLY windy and the wind blows right through my coat. This doesn't happen very often though. I also don't really wear a lot underneath. Maybe a t-shirt under a sweater and that's it. I could definitely stay warmer in these conditions if I layered a bit more.. If I got one of those big puffy jackets with tons of insulation, I'm sure that my upper body would be a bit warmer, but then my legs would get really cold, so i think overcoats are warmer overall. Check www.bluefly.com
, they've got some coats on there right now and maybe you'll get lucky with available sizes.