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During the make your pirate phase of the intro, after Jack leaves the jail cell, you design your pirate's features, then choose her/his clothes. There, you can get a coat and a hat from the basic list.
It's not totally obvious as you build your first pirate, but then you learn from things as you go.
If you didn't get them initially, the only way to do it is to delete your pirate and rebuild, there is no going back.
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