I wear dresses a lot. I live in England. Therefore the dresses on their own tend to be chilly.
For work dresses, I wear a blazer or jacket. For weekend dresses, maybe a cardi. For the life of me I cannot work out what you're supposed to do with a cocktail dress.
I suspect a cardi is wrong? In the nineties I used to be wedded to the pashmina, but that's wrong too now, isn't it? The answer cannot simply be 'just get cold' can it?