Keep it simple. I'm a middle-aged person in NYC, and this sort of thing is my go-to fall uniform for when I'm running around town:
A few notes:
• Comfortable footwear is key . . . sneakers or a sturdy boot.
• Carry a smaller bag with just your essentials, and make sure there is a place to keep your phone and wallet secure.
• November weather often ranges anywhere from the 30s to the 60s, so check the forecast and layer accordingly. If you can find a way to get away with not wearing a bulky coat, that's key . . . so maybe a sweater under a heavier blazer or a wind-resistant trench coat.
• If you want to maximize your layering options, I recommend buying this compact puffer from Uniqlo . . . it scrunches up enough to easily stuff it into a bag, it's warm but not bulky, and it's cut like a classic, ladylike cardigan sweater so it looks more sophisticated than sporty.
https://www.uniqlo.com/us/en/products/E469862-000/00?colorDisplayCode=09&sizeDisplayCode=003. They also have a similar vest, if you prefer that.
https://www.uniqlo.com/us/en/products/E469863-000/00?colorDisplayCode=10&sizeDisplayCode=003
• If you want to liven things up, do it with accessories . . . a colorful scarf, an animal print belt, a cute hat, a red bag.