Which means...I have a coat.
I finally bit the bullet. Okay, actually I finally found, after a lot of searching, a price I wanted to pay for a coat that seemed to be of the quality I wanted.
I found a deal on a Mountain Hardwear Downtown Down coat and it arrived yesterday.
It comes almost to my knees (it is supposed to be mid-thigh, but I'm short!) and is 650 count down. It has cuffs on the sleeves to keep the wind out, a detachable hood, and fleece on the inside for extra warmth. It is only water resistant, not water proof, but I found online that I can use Scotch Guard for Outdoor Material to make it waterproof (something very important in Estonia).
I do not, however, think this will be my true winter coat. I think this will be my fall/early winter coat. And maybe my spring coat. This coat has great reviews, but I am not sure people have used this against an Estonian-type winter. And it seems really light, especially compared with my really old down coat (appropriate for going out in the snow but not work), and I don't think that they have come up with great innovation in down, since it is the geese who actually make the down.
I plan to use my wool/cashmere dress coat as my summer coat!