I agree with what everyone else has said. Wear pants, not skirts. Black, dark brown, or grey will go nicely with the tan coat. Forget thermal underwear unless it will be VERY cold. When you're outside, wear gloves or mittens, and wear a hat and/or scarf (I have a very warm pashmina scarf that I drape over my head and around my neck - toasty!  ).
Have fun and stay warm.
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AEΦ ... Multa Corda, Una Causa ... Celebrating Over 100 Years of Sisterhood
Have no place I can be since I found Serenity, but you can't take the sky from me...
Only those who risk going too far, find out how far they can go.
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