Everyone has a different budget in places, a different value on their clothing. Both jackets are a great style. The splurge has many more functions and truly outerwear. They save would be great for cool fall days, but not as functional as the splurge. It just depends on what you’re looking for. Never any judgment from me J.Crew barn, jacket, J.Crew style plaid jacket, plaid coat, loft, bar, jacket loft, outerwear, fall jackets, fall coats, fall outfit save, or splurge LTKMidsize LTKOver40 LTKSeasonal