-Forget fashion if you have a limited budget. Don't buy coats from the place you buy your clothes. Go to outdoors stores. The prices will probably shock you for the good stuff but usually it's worth it if you can afford it. A Patagonia hoodie will be $200 but is a good buy if you can afford it or find one used. The benefit is being warm without adding too much bulk as you layer, or losing breathability (sweat makes you cold)
-Gloves even if it is only chilly. Your core temp can be fine but if your fingers are cold, it'll be miserable
-In very cold conditions, wear mittens on top of a liner glove
-Base layer, preferably wool if you can swing it
-Thick sweater or other mid-layer
-Warm shoes. The ground is an infinite heat sink. It will sap a lot of heat
-A scarf is at least as important as a coat. If you are cash limited and have to choose between a warmer coat and a scarf, choose the scarf
-Hat of any kind. You lose a ton of heat out of your head.
-Proper coat that goes past your waist, not a jacket
I live in Finland
-Forget fashion if you have a limited budget. Don't buy coats from the place you buy your clothes. Go to outdoors stores. The prices will probably shock you for the good stuff but usually it's worth it if you can afford it. A Patagonia hoodie will be $200 but is a good buy if you can afford it or find one used. The benefit is being warm without adding too much bulk as you layer, or losing breathability (sweat makes you cold)
-Gloves even if it is only chilly. Your core temp can be fine but if your fingers are cold, it'll be miserable
-In very cold conditions, wear mittens on top of a liner glove
-Base layer, preferably wool if you can swing it
-Thick sweater or other mid-layer
-Warm shoes. The ground is an infinite heat sink. It will sap a lot of heat
-A scarf is at least as important as a coat. If you are cash limited and have to choose between a warmer coat and a scarf, choose the scarf
-Hat of any kind. You lose a ton of heat out of your head.
-Proper coat that goes past your waist, not a jacket