Suz, I'm reading this thread with interest. I can completely identify with your issue (if I am interpreting it correctly). It seems similar to my #1 issue which is: what can I put on that is a step up from my cute (Angie inspired) lounge capsule (American Eagle hoodie and sweatpants or flannels) that is comfortable and warm and practical for working at home or errands?
In this situation, I am not going to put on jewelry. I'll only where shoes if going out of the house. I don't like wearing scarves to add interest to the outfit--I have bunches of scarves but am tiring of them and they seem too fussy to wear at home. But, I run cold and need coverage (not necessarily a turtleneck but at least crew neck height). I don't want air hitting my ankles (so the cute look of boyfriends rolled up showing a bit of skin at the ankle is out! I'm also not likely going to put on a crisp blouse/button down.
So, what, what, what might add interest and maybe the word is complexity (?) to this comfy at home capsule? One thing that has helped me a bit is to try to achieve a bit of unmatchy or unexpected. For example, mixing patterns like wearing my plaid flannel shirts over striped tees. Another option is that I just purchased an Athleta solstice tee dress (with lots of draping) to wear with sweater tights and casual toppers. Another "go to" outfit for this situation is that I wear several of the Cudl Dud hoodies that Angie featured last winter that are heavenly against the skin (and majorly warm with jeans, ponte pants or even my black ponte skirt with various causual toppers (jean jacket, cardis or even Angie inspired blazer). I wish I had more tunic sweaters to wear over leggings because this look works for me as well.
So to summarize . . . unmatchy and unexpected might be a direction to explore and continuing to explore different silhouettes might be another (which I know that you have been doing). Easier said than done though, I know!
Good luck, I will stay tuned!