In the morning I jump out of bed and straight into a hot shower. Then before I can get too cold, I put on bra and panties, a thermal singlet (vest), a brushed cotton shirt and brushed moleskin trousers, a wool/angora vest* on top of that , then a woollen cardigan, shoes and socks. Before I leave the house I add a woollen coat, thick sheepskin gloves, and a woollen bobble hat.
At that point I'm ready to walk to work in the frost, and if I walk briskly enough I arrive warmer than when I left home. Or, I'm ready for a game of strip poker in a warm house. If I can find one.
*I'm trying to be trilingual here. New Zealand English, UK English and American English. Hopefully all my readers can figure out which garments I am describing.