Confession time. When it gets chilly (like today) I dig out my three pairs of stretchy, loose yoga pants and wear fleecy pyjama bottoms underneath them (tucked into my socks) - bliss!
I also have two pairs of loose, fleece-lined trousers from Chums (online shop for oldies). I live in these things (plus jumpers) until spring - unless I want to look smart for an occasion. I dislike leggings (unless loose) as I find them uncomfortable.
I even have two fleece blankets, sewn together at sides and shoulders, to pop over my clothes on chilly evenings - otherwise a dressing gown goes on!
In my defence, I live in a large and chilly house and dog walk twice a day!