I tend to feel the cold across the top of my back and shoulders so wearing a gilet/bodywarmer suits me fine I have two,one is fleece and nice and cosy the other is quilted forest green with loads of pockets I think maybe better on some outdoor type rather than me but it is stylish when worn with jeans and long sleeved wool jumpers.
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I meant those polo necks you can get which just pull on over your head and only go as far as the collar bone...





