My formal jacket at the moment is a spencer jacket - I got mine third hand with silver celtic buttons already sewn on, and I'm quite happy with it until such time as I decide to invest in a PC.

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I believe it originally came from here -100% wool spencer jacket for $59.00.

I haven't worn it to a black tie event with lots of other kilted folks yet, so I can't speak to how many eyebrows it might raise... but at an event where most people aren't kilted you'll probably be hard-pressed to find anyone who knows the difference between a PC, spencer jacket, argyle, etc.