Reddit mentions of Sebago Women's Plaza Loafer

I think depending on the style of the loafer or oxford, it can be fine. I wouldn't cheap out and get something trendy or casual, which will not only look juvenile, but will show wear much easier. Some examples of what not to get: this, this, this

The last pic may seem fine, but I think it's lacking in terms of structure, so it comes off as pretty casual.

Some examples of what to look for: this, this, this, and this

FWIW, I've had better luck finding nice quality loafers than nice oxfords/wingtips. There are some UK brands which make some excellent wingtips for women, but since I don't know my size and it'd be an (expensive) international order for me, I just admire them from afar.

Here are some options: first second third fourth

Currently wearing these in the brown (a little darker than cognac but not chocolate brown either) and they're suuuper comfortable especially with the insoles I have to wear-- I walk probably 5 miles a day in them-- and good quality/durability so far!

Edit-- I got these instead of Bass weejuns for the same reasons you list below, and am happy.