I was actually aware to what you were referring. However the idea behind wearing a respectable dark suit in lieu of a dinner jacket is meant for those who find themselves without and who don't have time to get one. It is not meant as "green light" for someone who chooses not to get one. With the cost of inexpensive tuxes or rentals it is unlikely that someone with a suitable dark suit would be unable to afford some sort of tux. The only time a dark suit is considered fully acceptable next to a dinner jacket is if the dress is listed as black tie optional and even then you should wear a dinner jacket if you have one.
An example, dinner jackets are required at our lodge for certain functions. A member would not be allowed entrance if not properly attired. The rules are bent (in the way you suggest) for a visiting Brother who may not be from a lodge with the same rules.
A perfect example of why an inexpensive dinner jacket is a better choice than a cheap waiter's coat for formal wear while you are saving for your formal kilt attire.













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