I need a coat to see me through until winter really kicks in - an 'October' coat if you will. I have a winter coat but it is not cold enough to wear it yet. Is there an alternative to the hideous cagoule I currently own?! It must have a hood as my exciting life involves lots of school and nursery runs, plus it rains a lot where we live. Most of the coats I have seen are those padded quilt type of ones, which aren't great for me as they make me look like the Michelin Man! Budget wise, the cheaper the better! TIA, ladies.