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You don’t remove your jacket and tie or sport coat at such an event. It stays on indoors and outdoors. Your topcoat is worn over your jacket in very cold weather. But no, a topcoat is not essential. If you’re young and hardy, you can add a scarf and maybe a pair of gloves and forego the topcoat even the coldest weather. A topcoat is the province of someone who is very old or very rich or very dignified. Or of a younger person intending to look dignified or rich or both. If you’re rich enough and old enough to wear a topcoat you’re likely rich enough and old enough to live where you don’t need one.
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