On trips to Russia and Ukraine I noticed the women -- when INDOORS -- wear coats, along with "babushkas" (scarves) on their heads. Their utilities departments don't give them much heat usually.
Our house is cool at times so we wear fleece vests and my wife wears a scarf on her head. Sometimes until the fires are going well I wear a knit cap along with the vest.
Vests are nice because they don't restrain you much. Scarves make quite a difference, as do a comfortable pair of fluffy slippers or house sneakers that you only wear indoors.