The short answer on 40 Degree Weather: pick one anchor piece, keep the palette to two colours, and let the shoes decide how formal the whole thing reads. Hold it up to the light. Opacity is the thing product photography hides best. The shoulder seam should sit on the bone, not past it. The groups below run from the decision that matters most to the ones you make afterwards.

What decides this is shoulder seam, sleeve length and opacity. Everything else is preference. Two from the first group show the range: Dagne Dover's Varsity Logo T-shirt in Moonbeam, Large at $45, and RESA's Monica Blouse in Tide at $98. The first is the easy entry point; the second is where the money goes. The shoulder seam should sit on the bone, not past it. Hold it up to the light. Opacity is the thing product photography hides best. A higher price mostly buys materials and finishing, and occasionally it buys nothing at all.

If the top is the point, keep everything below it plain. From the second group, Mac Duggal's Multicolor Pearl Trim Long Sleeve Cropped Jacket ($398) is the one that earns its place, because it works in more than one context without being restyled. The third group is smaller and deliberately narrower, tops, for the decisions you make after the main one. None of this needs the whole group. One piece from each is usually enough.

There are 20 pieces here from 15 brands, $34 to $575, all in stock when this was written. We would not buy all of them, and neither should you. Wild Oak Boutique's Sally Striped Tank at $34 is the low-risk way in, and lagarconne.com's Big Yoke Shirt at $575 only makes sense if this is a category you already use constantly. Read as a set, they get you close to 40 Degree Weather without any single purchase being compulsory. Nothing here is included because it is famous, and price is not used as a proxy for quality anywhere on this page. If you take one thing away: buy the one you can picture using this week, not the one you are saving for later.