Una = I was definitely thinking of the down skirt! But it was really my ankle that were suffering. Jenny H I have wrapped a pashmina around my ankle before now too.
Thanks for all the sympathy everyone! This is how I tackled it yesterday
Morning - worn tights dress and cardi
Car trip - removed cardi (too hot)
First hour at work which is warm - same
Then - put cardi on
later in morning - go to ladies and put layering long sleeve tee on under dress!
The getting dressed at work thing may have to kick in if it is too hot to wear stockings in the summer (I have a 10 min walk from my car) and like unfrumped, I can see even light hose being too hot for the trip home.
(Oh and Columbine, I have done that too, when walking or riding to work)