Unstructured jacket vs Sports Coat: when to wear one or the other?

I'm big on jackets; they let me carry my wallet and phone without adding uncomfortable weight or bulges to my pants, they look great, and they can dress up or down an outfit as needed.

That said, I'm looking to add some to my wardrobe and, although I understand the differences between the two, I'm not quite sure when one would reach for one over the other. Everything I'm reading says an unstructured jacket is the go-to for situations that don't require a full suit. Where then does a "structured" sports coat become the better choice?

Thanks.
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