Thank you all for your suggestions
Rae - I have heard of Uniqlo before but only in passing I had no idea what they made. I will definitely have to check them out.
Vildy -- I got this hat nearly 15 years ago. It's made of fake fur but it fits snug like a skull cap. I also have one in bright red with a smaller brim. I am sure you could find similar hats in your local department store at the beginning of the cold-weather season I have seen them in black, cheetah print, white etc. I wish I could tell you more.
Suz -- Thanks for the strategies -- just reading what you wrote I think I need more layers. I imagine you looked pretty spiffy yet warm with your topcoat off, because you mentioned four layers of indoor clothes.
Pil -- I had the cuddleduds v-neck top on under my shirt. I agree they do work well -- I think I need more layers with my cuddleduds. Just so you know I have some silk thermals and the cuddleduds work better in sub-zero temps.
Zap-- I'm still laughing, you are hilarious. I was actually referring to the phenomena of the not quite coordinated yet warm pieces thrown over an outfit. I spared everyone the hobo-ness that I was today