We live rurally in the North. It is freezing at the moment and often windy (as you'd expect in Nov). I need a puffer style 3/4 length coat, with zipped pockets but importantly a hood that stays up.
I've tried my sisters McMurdo North face coat and while it does keep me very warm the hood blows down at the slightest breeze as there's no pull cord or stiff kind of mouldable rim around it. Plain gortex coats don't have the padding to keep me warm.
I'll pay a couple of hundred quid or a bit more. I just need the warmth, bit of length so mid thigh plus reliable hood that stays up for dog walking on the windy moors.