Penny loafers go well with corduroy pants, chinos, flannel slacks and in the summer even a linen suit. This style of loafer can be worn with a blazer outfit with any style of tie. The Penny loafer can be worn for any occasion.
Coats can be brilliant for a character to have. Do they ave a coat they wear all the time, the couldn't bare to part with? Do they not own a coat? What sort of coat might they own? Is it stylish or practical?