I don't like the Clifton in black. Black is formal, but the shoe isn't, as it's a half brogue derby. Even the Flatiron is not really suitable - again, it's a nice semi-casual shoe in tan or whatever, but in black, it's falling between two stools - neither smart nor casual.
Your "weddings, interviews and funerals shoe" for $200 should probably still be a captoe, but a plain one, and an oxford (closed lacing). In which case, here are some easy options:
If you do prefer a brogue, I think a black oxford is acceptable for all those occasions, in which case maybe
I have the suede version of these last ones, and the shape is very elegant. All of these are well within your budget including shipping, and some include free stuff too!
If you go up to the equivalent of full price Allen Edmonds, then the world is your oyster. This balmoral oxford from Barker is good, but nearer $300.http://www.pediwear.co.uk/barker/products/5709.php
Check out the Pediwear site anyway, as they ship to the US for a fixed fee, and they use EMS (USPS) so you don't get hit for customs clearance fees. They're nice guys to deal with and helpful if you have sizing questions.
(N.B. Dear Pediwear, I mention you about ten times a month on here, you should totally give me free shoes!)
Alternatively, if you have a little patience, you could try www.meermin.es. Read all about them on this forum. There are plenty within budget, but they can be a little slow to deliver. These both hit your $200 mark, more or less, and the second one gives you that plain toe you were thinking of: it's a wholecut, which normally is a style confined to more expensive makes as it's hard to make well. But being a plain toe oxford, it's particularly good if you want to use it for a dinner suit ("tuxedo"), too.