Thanks everyone for your input. Most useful!
Ceit, you confirm what I was suspecting. The low waist of this dress is its problem. It has an indentation in the pattern, covered by my belt, which makes it impossible to cinch it higher.
It's supposed to have this "1920" feel that was on trend in 2012, but now it only has a "My hips are too low" feel.
I am so sorry that you have to suffer like this in your house! That is serious cold inside any place. This week our gaz tank had a minor malfunction and we were not heated for a few hours. It came down to 18 and I was freezing!
Nadya, thank you! I bought this clutch before going on posting knowing I would need something nice for evening functions, and I did! I used it again and again... Now that I am back home I barely ever take it out. But obviously I should! I think layering over these particular pants may not be the best idea either.
Suz, legging and boots, must try it. I am always afraid to look like Robin Hood when wearing leggings, boots and a large belt. But I'll give this a try and post. I am so sorry that you still felt cold with all the coverage. You are better than me, I didn't even venture outside!