Cashmere is lovely for light warmth. If you are a bit canny you can get affordable cashmere. If you ebay buy sometimes you can strike lucky, I've bought lovely scarves and jumpers cheaper than a new primark acrylic jumper. You have to be a bit dedicated though, but it's possible. I've bought random coloured cashmere socks on amazon, much cheaper than deciding you want blue ones. A good place to get warm cashmere stuff is turtle doves, they recycle old cashmere sweaters, they do wristwarmers and fingerless gloves and lok out for sales and offers, and go for random colours they can be a lot cheaper. They make a big difference, I got my first pair from a charity shop and loved them so much I got more. They do scarves, wraps, etc, bigger you go the dearer obviously. If you have an old jumper or cardi beyond repair or whatever, send to them and they will send you a pair, and use the rest for their scarves etc. The other bargain cashmere I had was in a bag left out in the rain just before Christmas one year outside a charity bin. I saw it was jumpers and thought that it would. Get chucked, it couldn't be put in the bin even if there was room and would probably spoil the dry stuff that was in there
I took the bag home and washed and dried the clothes, most. Of the stuff went to a charity shop after Christmas, it was nice stuff. But I kept a cashmere jumper.
Frozen pipes were a thing, if you were in a house with uninsulated Pipes it was a real possibility and they could. Do a lot of damage. Frozen pipes in the loft. Could bring a ceiling down, and at best ruin clothes, bedding, furniture. Lived in a room. In such a house from the 30s one winter. The wallpaper was brown stained and the landlord said a previous person had thrown a cup of tea at his wife
It wasn't, the pipes had frozen. It happened and soaked the bed, and the carpet, and anything in contact with the damp, the landlords brother gave me some money for the electric to help dry it out, and said it had happened before and he'd try and get landlord to lag the pipes so it would t happen again. False economy not to lag as you needed a plumber and to dry out where it was wet. Old lagging was strips of sacking stuff, now it is foamy stuff that is really easy to fit. If you have pipes in the loft and the loft is pretty well insulated, the loft will be cold and pipes need lagging.
Dehumidifiers are great too as they can take the chill off a house, if you ever dry clothing inside using a dehumidifier can cut down on the amount of heat needed, and it is much cheaper. A relative who lives in a stone house on the top of a cold hill in the North finds that using one means much less heat needed, even if you don't have clothes drying, as you breathe out damp all day, back in the day with no central heating and single glazing jack frost came in the night and froze this moisture into pretty patterns on the window.