I always keep a 'commando' sweater handy, along with scarf hat and gloves. Good thing is you can un-layer the look whenever you need to. I Use a Navy Pea Coat over any jacket I might be wearing.

Last week--mid-teens in temperature and an inch of snow. Participated in a large outside holiday fest (with assured trips inside as well). Stayed roasty toasty in a Stillwater Standard, heavy hose, boonies, commando sweater over oxford and t-shirt--wool gloves.

I actually LIKE wearing qa kilt outside in cooler weather----good thing I live in Michigan, eh?