The Lowdown:If we asked you to name the most exciting item in your closet, it’s highly unlikely that your winter coat would be at the top of the list (or even in the top five). BUT, if we asked you to name the most useful … well, you get the idea. Spending your hard earned cash on something that’s actually practical is easy to justify, but we’d suggest that it’s not unreasonable that you might want a coat this fall/winter that’s both practical and stylish. And, of course, affordable — which is where Overstock.com comes in. Our top 10 outerwear picks from Overstock.com for under a hundred bucks (and if you want to get the free shipping, or the other discounts above, combine your order with friends to meet the minimum).