Now THIS is my idea of a perfect outfit. The leggings are fleece lined and the tunic is long enough to cover your backside. Oh yeah, and it’s all very affordable from Amazon. (commissioned links) P.S. The tunics run big, I had to size down.

Vest — https://amzn.to/2IE84DS
Fleece-lined leggings — https://amzn.to/2Vx7Tzp
Tunic — https://amzn.to/2IDtsJa