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Stuffy me, I guess.
I always wore a sport coat for business casual over a long sleeved, generally wool, buttoned up polo. That's because, in a managerial position, there was always the possibility of a meeting. Since I'm in Southern California, that was enough for just about all the weather we have. If it were cold enough to wear more, it would have been a top coat, not a car coat. So I would not have worn a car coat for business casual.
I always wore a sport coat for business casual over a long sleeved, generally wool, buttoned up polo. That's because, in a managerial position, there was always the possibility of a meeting. Since I'm in Southern California, that was enough for just about all the weather we have. If it were cold enough to wear more, it would have been a top coat, not a car coat. So I would not have worn a car coat for business casual.