Just chiming in on the Plaza coat, since I tried it on earlier this fall. It's cut pretty tightly around the shoulders. I'm pretty narrow across the shoulders (can never keep straps up or find a fitted jacket that doesn't make me look like a linebacker) and I found the size that otherwise fit well to be too tight through there. But I was trying on a petite--I'm right on the borderline in terms of height--so it's possible that was part of the problem. (I'm 5'5"-ish and the arms of the regular version were way too long for me.)
I also wouldn't describe it as a terribly warm coat. Maybe the thinsulate would help, but it would still be drafty around the neck and legs.
I believe in the forest, and in the meadow, and in the night in which the corn grows. -Henry David Thoreau