Wrap your neck to stay warmer indoors. Scarves, large or small, are a great way to retain a bit more body heat. They can be utilitarian or they can be a major fashion statement. A flash of colour or a neutral that goes with everything.
A "necky" is a tube of stretchy knit that pulls down over your head. They come in a variety of colours and patterns and are used by both men and women. They are usually long enough to be worn as a hood; they can be folded small to make a headband/ear warmer or twisted up and folded back to make a toque.
Look for them in hiking/camping stores or make you own from an old T-shirt or sweater. They are also a great project for anyone learning to knit.