Okay -- so maybe not quite 28 wears each, if you also own other tops.
But...if you are like me...what I discovered was that for my at-home days in winter, I really, really, really reach for knits 9 times out of 10. I do have other tops, of course -- but for months and months, I pretty much only want to wear sweaters. I might wear a top (i.e. a button up or tee) and then a sweater (layering them) -- but there is always a sweater involved.
Keep in mind that in my heart of hearts I am actually a JACKET person!! I love the structure and the feel (and on me, the look) or a jacket. And when I go out into the world -- whether it's to a doctor's appointment, a movie, or a date with a friend, I'm more than likely to put on a blazer as my topper when it's cold.
But I work from home most of the time, and of course weekends tend to be casual. So even though I prefer jackets, I actually wear my sweaters more often. So my knits get a serious workout!
I now have 19 Fall/ winter/ cold spring knits. So, twice as many as you are thinking of. And I intend to add to this capsule because last year I got bored with a similar number and/or the ones I had didn't fill all the functions I needed.
Now, I'm not saying a person "needs" this many, even in our climate. We all have different needs. Some people love to repeat, some need endless variety. Some have tiny budgets, some have bigger budgets.
I consider myself a closet "moderate" -- not a maximalist, nor a minimalist. But even if you aimed for a moderate number you might want fewer than I would want.
I "see" myself in my clothes more than you do, because I am not wearing a uniform all day at work. So I might tire of what I own sooner. That also means my wears are longer, and they may involve housework, etc. which implies that I also might be wearing my clothes harder than you wear your at home capsule. Which in turn implies a quicker turn around in the closet.
Still....I think 9 sweaters in a Canadian climate really borders on the bare minimum. Of course, people living on extremely restricted budgets can and do get by with two or three. But it's not much fun -- and those sweaters would be completely worn out at the end of the season.
With about 20-25 sweaters in constant rotation for Fall/ Winter/ Cold spring, I figure on replacing/ upgrading about 5 to 8 each year, depending on when they were bought, how often they were worn, how well they wear, and whether fashion has taken a sea-turn to a new silhouette.
If I kept myself to 10, I am pretty sure I would be replacing all but 2 or 3 each year, simply because -- even in the unlikely event that they were not looking tired out and worn -- I would be bored beyond belief with them.