Excerpt? Dude, this article is over 9000 words long, and covers... all collared shirts. You ain't getting an excerpt.
how to talk about
Quick and dirty: a suit is a set of matching garments, consisting of a jacket, pants (or a skirt, or something), and optionally, a vest/waistcoat. They have to match.
A loafer is essentially a slip-on shoe with a moccasin-like upper (top + sides), a separate, rigid sole (leather or, in some cases, rubber), and a heel. But there's a whole lot more to it than that.