When I lived in northern British Columbia Canada I found that leggings under a long skirt worn with tall boots were warmer than leggings under pants. Many layers on the upper body. Cover your mouth and nose with a scarf to avoid icicles forming.

I gave my children a hard boiled egg to keep in their pockets to warm their hands on the way to school. It became a high protein snack after they arrived. Now there are hand warmers activated by exposure to oxygen.

Layers so when get hot you can unload or put more on

I have a warm scarf. I wear it in the house

I really like the fleece lined leggings and footless tights. I wear footless tights under my jeans once it starts to get cold. I got them both from Amazon.

Thank you for taking your time to answer. Hot bath, now that's what I like. Good idea. When I have to go out so early, that's the golden ticket.