"When I awoke this morning the temperature was at 0 degrees. I donned my Maple Leaf (PV) T-shirt with a cableknit sweater and was plenty warm. Just had on thicker socks is all."

This is similar to what I do. I typically wear a T-shirt, and a sweater, coupled with either my WPG, or SWK, along with wook hose. If the weather is a tad milder (like today) I'll toss on my USA casual. I'm also a bit on the larger side, so I don't usually get as cold, as easily as others do.