My boys are in full coat and I put winter coats on them every day for cold weather walks. Satin, silk, or microfiber linings are best to prevent tangles. Soft cotton sweaters work well for us, and our polyester lined coats are not bad. Layering a soft tee underneath may also help.
I also have used Gemy/Gail's suggestion to braid the saddle hair before putting on a coat.
Definitely helps to be tangle free when the clothes go on. It you start with tangles, clothes will make them worse.
There really is no way around it: long Yorkie coats and clothes produce a lot of work.
