As I sit here in a Mad Men-esque polka dotted dress with goosebumps to match, I'm pretty sure the time has come to (begrudgingly) accept the fact that it's officially fall, not just "Indian summer". That we should expect a chill in the air even on the warmest days and, most importantly, that it's time to show off the impressive layering skills that we San Francisco ladies have been forced to acquire over the years. And since nothing tops off a cool weather ensemble better than a chic coat, we've tracked down the best SF has to offer so you don't have to:

1. The Camel: De Novo Coach Coat, $498: Channel the classic '40s femme with this ladylike topper.

2. The Puffer: Helmut Lang Short Puffer Jacket, $690: Invest in this surprisingly sleek jacket that's sure to stand the tests of wind and time. 3. The Military-Inspired: J. Crew Stadium-Cloth Winnie Jacket, $245: Make a sunny statement whether you opt for a floral dress and tights or your favorite t-shirt and jeans. 4. The Trench: Banana Republic Classic Trenchcoat, $198: This truly timeless option is best paired with...well...anything. 5. The Cape: Bebe Belted Capelet, $169: Look perfectly polished whether you're headed to the office or opera in this high drama piece. 6. The Bomber: Lauren Moffatt Cream Bomber Jacket, $345: We've been smitten with scalloped detailing since the Chloé SS/09 collection, and this jacket proves the trend is here to stay. 7. The Convertible: Harputs Own Swacket in black cashmere, $495: Express your creative side with this versatile sweater-jacket combo that makes for endless layering options.