Turns out I was plenty comfortable with the jacket I wore today. There is a skylight right over my desk so I think I'll be fine until the dead of winter!
I did have to change out my boots, though. My shins were SO SORE from yesterday's wearing. If I wet my socks right where the boots hit, it will only work when the wet sock is touching the boot, right? So, only when I'm walking? (It doesn't touch my shin when standing still.) My socks would probably dry too quickly to be effective, since I have to wear very thin socks with those boots. Or is this something I should do around the house -- put them on with wet socks and get on the treadmill?
Also, it started raining and I didn't want to mess them up. I wore an old pair of short black boots that I meant to donate last year, but it turns out they are exactly what I've been looking for this year, they just needed a comfy insole.
Oh -- and I can't return the cardigan. I bought it in a store I don't have around me and the return period is past. It didn't cost much, so I don't mind having it. It's just strange that suddenly I'm having trouble styling it after years of wearing that exact style!