Need feedback on these two coats from j. Crew and zara!

@ lauriebell - i live in ny, so i def experience ridic freezing weather!

thank you again for all your comments and recommendations. all of you have convincing arguments for BOTH coats! at this point, i think it might be wiser to invest in a coat that will actually keep me warm. the j. crew one doesn't look like it will do the job.
 
to everyone who has responded to my thread... THANK YOU FOR ALL YOUR COMMENTS!

usually when i can't decide between two items, i either (a) buy both and then suffer from buyer's remorse or (b) buy neither and then beat myself up for being so damn indecisive. while i originally opted for option (b), guess what? i ended up buying the zara coat today! i happened to be shopping at zara tonight and fell in love with it all over again. plus, i needed something warm and this coat will definitely do the job! thanks again, everyone!