I just bought a fur coat from a trader and was surprised to find it does not replace my malefactor heavy cloak, but rather the malefactor leather tunic. I assume this is not intended? A big fluffy fur coat feels like it would be worn on top of other things.
EDIT: Oh, I see now. The cloak just goes over the shoulders. Not the same purpose as the coat at all. I am a fool. Never mind. However, while I'm here, it would be nice to have something in the tooltip for clothing to tell you what slot it goes in.
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Gorfinhofin's post in Fur Coat occupies undershirt slot was marked as the answer