In general for cold weather:
One piece long underwear eliminates that air gap when you bend over.
For a shirt I use Henleys at sea and at home. They come in different weights and wool or cotton. They layer well, one layer in the house two outside, three including one wool in colder temps.
I wear a tight knit navy style watch cap in the winter, if it’s very cold I use a hat like this;
I originally got it for wearing as ahelmet liner but I use it on very cold days helmet or not.
- The vest is a great garment. If you are active it can be unzipped but left on and it doesn’t hold much heat. Gets cooler zip it up, keeps the core warm. Gets colder put a jacket or coat over the vest.