What would be deemed to be the warmest "dress" coat for the winter? I have a cashmere topcoat from Barneys and a wool Gloverall duffel coat (and a waxed cotton Lewis Creek coat with fleece lining from Upland Trading that's pretty warm), but once the temperature dips much below freezing the cold creeps in. I was wondering if loden was warmer--or perhaps a shearling? My wife's shearling weighs a ton, and she says that it's her warmest coat. Or just a heavier wool, like in a peacoat? Your thoughts/experiences appreciated.