I love the juxtaposition of the somewhat casual (and super warm looking) sweater collar with the rest of the polished, put-together look in the first photo, and the heathered textures of the jumper, the hat, and the scarf in the second. I also love how both, while staying within the realm of reasonably neutral colours, don't look boring at all!
I really like the two photos combined as a pair – they have so much in common! There are the glasses of course, that make them similar, but then there's all the layering starting with shirts, and finishing with overcoats.
Love it, shawl cardigans under jackets is a favourite of mine and under a suit they are warm and super chic. Great pictures 'real people' in real outfits. there is a football (soccer) aphorism in Britain that can re re inflected for the sartorial world. In soccer speak : Class is permanent form is temporary. Sartorially speaking that translates to : Style is permanent fashion is temporary.