I don't need to be formal at work - I could get away with being quite scruffy - but I like to look reasonably professional so go for sort of smart casual. I also really feel the cold and can't bear feeling chilly.
At the moment I tend to wear smart skirts with thick wool tights (and often a thinner pair underneath!) and nice but warm jumpers, which I think is fine. But I want to start wearing trousers more and I find that the trousers and jumpers combo - even with smart trousers and jumpers - looks a bit casual. There are lots of lovely blouses, cardigans and jackets in the shops but they don't look at all warm.
How does everyone else stay warm and smart?