When I leave my house in the mornings, it is around 45-50* (brrrrrr). I usually work out in the morning so I wear my gym clothes out the door and then shower and change at the gym post-workout.
I am looking for a nicer work jacket to wear with work clothes (business casual) that will keep me warm in the morning temps for fall.
I have a short trench coat I got from Target a few years ago. Its enough to keep me warm for my limited time outside in the morning. I get into my car in a garage and have a short walk through the parking lot at work or sometimes to/from daycare drop off.