Magic items are magical. Thus like the hat of disguise they should take whatever form the wearer desires to best express their form or function. In this case a business suit suffices. Not exactly what you'd expect for a cloak of fire resistance now is it? However it speak wonderfully of the style of the game. It reminds me a little of The Tuxedo, which was a decent Jackie Chan movie other than Jennifer love hewitt who clearly has none of the capabilities necessary to co star in a Jackie Chan movie.