Thank you all so much for all your comments and suggestions about my coat hunt. I went ahead and decided on this coat. My reasoning: I could still wear great colorful and big scarves with it without being too much (like it would have been with ruffles). Also, it was the thickest of the three so I could wear it for fall and winter and trips to visit my family in cold climates.
When I saw there was ONE available, I sent it to the husband and he said... you have been APPROVED! (a la Suze Orman). I am crossing my fingers that the small fits!
11 hours ago