Pls help me find a winter coat that suits me ....

[Baskets45]

I am thinking of buying a new coat, saw one I like a few days ago (no idea where exactly - thought it was H & M, sort of brown and grey stripey affair, below the hips, have just looked through website in vain, so maybe wrong about that). So back to drawing board. My spec:

I want something stylish but warm, so a coat not a jacket, ie below the hips.

probably a neutral colour but mind is open on that (already have a brown one and a navy one which still haven't fallen apart, so somethign different maybe?).

Price range - under £100, lots under hopefully.

To suit my shape - I am tallish (5'8 and a bit), busty (size 16-18 on top, more like 14 on bottom), aged 51. Colouring: fair hair. I rarely wear heels, or dresses/skirts.

Navy one above has belt which i rarely tie as it seems to sit too high for me - this is a common problem for me. Bravissimo dresses for example don't fit on my waist. I think for this reason it's a straight coat I am after.

[Baskets45]

Supplementary question: Is H& M a bit 'young' for someone of my vintage, in the same way as Topshop for example?