High Glamour, Low Price

One Coat, Four Ways: High-End

Pieces like this elaborately jeweled brocade dress from the upper-echelon Vera Wang collection (available at select Neiman Marcus stores; 800-365-7989), don't intimidate this coat, which looks confident on Jocelyn Taylor, 42, with a cinched waist and turned-up collar.

D'Orsay heels, $70. Ring, $250.