Savvy Shopping - Craving a Cardigan

So we've just finished an August with no sun spot activity and now we've got a predicted colder than normal winter ahead.
Could it be too early to start shopping for my Fall fashion essential?
No, I didn't think so.

Besides, even if the predicted cool weather doesn't arrive and we have a moderate 75 degrees all winter long, the temperature in my office is still something akin to Northern Maine, rather than sunny Southern California.

Thus, the overwhelming need for a cardigan...or two...or three.

Richard Chai for Target $27.99

95% Cotton, 5% Cashmere perfect for California

Urban Outfitters BDG Boyfriend Cotton & Wool Cardigan $54.00

Nordstrom Soprano Rayon & Spandex Boyfriend Cardigan $36.00

Urban Outfitters BDG cardigan...too slouchy
Nordstrom Soprano cardigan...too tight
Richard Chai cardigan...just right