I tend to wear my black M&S to work in Oct/Nov and the down coat in the cold months. Coatigans which I didn't include but are a staple in my wardrobe are worn a great deal Sept/Oct, Mar/April and loads inbetween.
My casual anorakky thing tends to be for weekends and the garden and really needs to be demoted to garden only.
My quality coat is kept for going out days to London, etc., or wearing to go to dinner and stuff.
The two coats I absolutely love and have had for years are Caroline Charles evening coats: one is black velvet and the newer one is beaded. They are fantastic for all smarter evening occasions - often over smart black trousers and on occasion jeans as well as a full blown posh frock affair. Alas not many of those at present.
I work full-time and drive to work. For work, my organisation at least, it would be inappropriate to wear a high quality coat and who would want to bung a really good coat on a hook all day.
My coats are all old except for the M&S one and the plan was to buy new this year but I won't because I can't get worked up about clothes during Covid.
I do think coats are something that you need to buy when you see the right one though rather than go out looking. I have talked myself out of a couple of fabulous coats over the years and have deeply regretted it.