On really cold days, and I walk on my commute, I'll make sure I wear tights (you can do wool or fleece lined tights), a knee -
length skirt, knee - high boots, a
tank top, wool
sweater, and then a coat (that goes mid-thigh or lower).
Black J. Crew flats, heathered gray tights, black knee -
length pencil skirt, heathered gray long
tank top, and a gray dolman
sweater.