What to Wear: Rainy Day in San Francisco

It is rainy, gray and cold in San Francisco. Definitely a day for dressing casually and warm. I find it so much harder to put together a casual outfit than a fancy one. Is that just me?

Sweater - This boxy white cableknit sweater from Zara looks like it would be so warm.
Tee - A long-sleeved gray heather tee from Madewell.
Purse - This gray bowling bag from Zara matches the sky today.
Jeans - Hudson pencil leg jeans in a medium blue, on sale for $120.
Coat - Why don't they make more coats in dark brown? I like the classic toggles on this duffle coat.
Boots - A paid of these Sperry duck shoes is a great alternative to the tall Hunter wellies when it is drizzling.
Umbrella - A Marimekko umbrella in black and brown to match.
Headband - I love that this style of headband is called a "turban" - sounds more fun than the reality. With my curly hair, a headband on a rainy day is key.