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Borrow a coat.Some people can't afford 300-400 dollar overcoats. I would imagine (although I could be wrong) that wearing a north face jacket on top of a suit which I saw plenty of kids doing looks way worse than just wearing a simple sweater vest underneath their suit jacket.
But in light of your comments, I would say that one should just brave the cold and avoid the sweater vest and non-professional jacket on top of the suit lol.
Old guys have them.