I looked at everyone’s input and some of them led me down a trail where I ended up looking at the Columbia Women's Apres Arson II Winter Long Down Jacket. I ordered it in the silvery gray color, and it arrived. Wow, this is a warm coat! It has the foil lining, plus down fill and a waterproof outer layer. It’s definitely heavier than my previous winter coats, but in a good way. And for a cute style, I like the design details of the front pockets, the cut of the coat, and the furry hood. Lindy, this one does have the inside chest zipper pocket you wanted, too. It’s knee length with a heavy duty 2-way zipper and a couple of snaps for the last 6-8 inches.
It checked all of my boxes. I wish it cost less, but living in the wintery north part of Idaho, I know I will get a lot of use out of this one.