So every time I take my dogs out to the leash free park in the winter and I wear my Freedom Kilt, a line from the movie " Carry on up the Khyber" always pops into me head.
To whit, "Ooh, the way the wind whistles up the pass!"

Finally had to cheat. I grabbed a meter of Polar Fleece (R) fabric and made a wrap out of which I strapped on under my kilt.
Hallelujah! I was warm.

I still have to work out a better fastening system for it, but now I wonder; am I the only one to wimp out this way?