(ooc: Yeaaaaah, I was wondering about that but didn't want to go there in my tag XD)

That's why you wear the loose clothing on the outside and the form fitting clothing underneath. As a bonus, the close-fitting layer helps keep colder winds from being as much of a problem.

[Which reminds her to grab a coat. And other accessories, like a hat, gloves and a scarf. The coat she picks is just a little above knee length, and slate grey.]

Try the coat on over top of your clothing. It'll keep you a lot warmer in the cold weather than your cloak.