A Tank Top As A Base Layer
The key to beating cold temperature is dressing in layers. But they don't have to be thick to help insulate you. You might be surprised how well thin materials work. Start with a basic tank top. This is will help keep your core body warm, which is key to overall warmth. A tank can be easily hidden under a shirt or a dress and nobody will know it's there. But you'll feel that extra warmth like a big hug. You can use a basic tank you probably already have in your closet or go for performance materials such as silk that are ultra-thin but designed to keep your body heat in. Try the 100% silk one from Thermasilk or this one from Silk Living that blends silk, cotton and Marino wool.