Approaching this from a purely fashion point of view, these are my thoughts on Charlene's outfit:
I can't stand when she wears cream, beige, greige, neutral bleuh so guess what? I don't love it. What I do like is when she wears white - proper achingly bright white - because I think it looks amazing on her. So, I love the mantilla. With the pop of bright lipstick it looks fabulous.
However, I also don't like mixing white and cream because I don't think they go.
The coat - apart from the colour - funny length. Either go more tailored and considerably shorter or keep it loose but long enough to hide the hemline of the dress. That annoying couple of inches below the coat is just wrong.
So, to sum up - a mixed bag for me. Others, will disagree, I'm sure. ?