1. Fleece (warmer than it is thick or stiff, at 20F likely thin fleece and something thin to block wind is all you actually need)

2. Cloaks (seriously, they're actually awesome but for some reason not "modern" and thus not used very much)

Other than cloaks, which I find the best option but most people wouldn't like to do, I'd recommend looking into what people use when they're highly active. They are built for people moving a lot so they have to be less stiff and less bulky. Thus, they're not as icky.

I actually didn't have issues with coats as a child, because I was only using active people stuff. First issue I had with a coat was the one passed down to me from my sister who actually wanted one that matched the styles of what others wore. It was way way stiffer than anything else.

Now I just use my cloak almost always. I actually find If function better with it.