The leggings are fun and ideal for work-at-home-in-winter capsule. I would wear them with longer tops covering the bum and crotch areas completely and ideally a bit longer. I am past wearing leggings in public (ponte skinnies for me there) but I still wear them at home in colder weather with a longer top.
I agree with Angie's assessment of a cardigan - and with unfrumped on A LOT of cashmere to wash! However it can be very cozy for cold winter days yo cuddle on a couch with your laptop and Max...

I'm not going to be much help because I like both items on you. But they both have a cozy vibe. Leggings are usually soft and require a longer, looser fit top to cover important areas as Sveta said (bum, crotch, upper thigh). I like all your outfits with these because they all do this.
The cardigan reminds me of the fit and vibe of a sweatercoat. I adore sweater coats so anything that suggests one I will like. But I pair mine with long sleeve t's for a cozy vibe and have not often liked the look of one paired with a crisp top. If you think your style is shifting to a slightly cozy-er vibe I vote keep to both. But if you want a crisp look neither of these items do that.

I have not read any responses but I love the leggings on you. Wow, you were made for leggings. Where have they been all along. I usually see you in a looser fit pant and the leggings are so sleek, and seem to go with many of your other pieces.

And of course I'm loving the quilted moto boots even more now.

Not as sure about the sweater, it looks like it either needs to be longer or shorter.

I like the outfits you've put together here, Suz. The simpler ones look more you than the cardigan ones, so I agree with your take on that one. I would add: I like to wear leggings with dresses that are too short for me to enjoy them on their own. Two or three inches above the knee. Or tunics that are almost dresses but not quite: three or four inches above the knee. Don't know if you have anything like that lurking around. I wouldn't go out and buy something, because you clearly have great options here. And I'd love to see your new zippered sweater with these, too.

I vote to keep the leggings and return the oversized cardi.

For styling the leggings, my favorite was 4, and then 3. I always envision leggings as being worn with a quite long knit sweater, as in these renditions. I do think that the pale blue sweater seems a bit short in the front.

As for skinnies vs. leggings, leggings are just way more comfortable! They have more stretch, and the waistband is elastic, which at least in my book means more comfy.

The cardigan looks a little overwhelming on you, and I am not sure I would want to experiment at that price point. So I would vote to return and try your luck with a more angular one, as Angie suggested.