Apparel:
Is it really necessary to sacrifice fashion for warmth? Not always!!

Layering is probably the best option. Leather and fur make some of the warmest, most wind-proof garments. I realize this is not a solution for many people where high cost or personal beliefs may make them unacceptable.

I have found that longer style coats tend to be significantly warmer even if they are only mid-weight. A coat that covers your bottom while sitting on cold car seats, and at least partially covers your legs while walking across parking

lots, goes a long way towards making you warmer overall. I have over the years collected a large variety of coats for the changing seasons and for my varied activities.

If you can only afford one good winter coat, I recommend a knee length wool or poly-filled coat that can be buttoned to the neck and, if possible, is designed with a hood. You'll be amazed at the difference the extra length makes, and you still have a fashionable appearance.

I have always been fond of hoods as they don't seem to create the static problem that a knit cap or scarf causes. For extra warmth, especially if there's a wind, add ear muffs.

Layering is the key for any midweight winter coat. Make sure it is loose fitting enough that a warm cardigan can be worn underneath for more extreme days.