When it’s really cold in our house, I wear a long sleeve tee under my fleece jacket. I still have my own personal summers, so I can remove & take off the jacket as needed (and put it back on after). I usually wear jeans, but I do own 2 pairs of warm sweatpants. I also have thicker socks and wear my warm ankle slippers. If my feet are cold I’m miserable.
If I’m going out somewhere and want to look more polished I wear my boot cut jeans, ankle boots, turtleneck, and one of my leather jackets. I have a very warm winter coat, but I don’t need it unless I’m going to be outside for awhile. I can survive without it if I’m just getting in and out of my car to go somewhere.