People usually wear layering pieces underneath their clothes, but I prefer wearing my toasty thermals on the outside. Case in point, this Rugby by Ralph Lauren Thermal Dress ($170, originally $228) was made for shopping trips, coffee dates, and movie nights — anything, really. If a full-on thermal dress is too much for your taste, slip on a colorful top or hoodie. Attention rugby shoppers! Check out this sweet make-your-own-fashion-show game.