Underwear and brassier if you want to feel sixy - bonus to appearance towards opposite six if you have the fame, negative towards guards or outside
Pyjamas like clothing to increase quality of sleep in an inhouse bed.
Longies/full cotton suits to reduce the cold penalties with a small bonus, heavy bonus for metal based armors.
Normal clothing or armor on top of that, for various purposes.
Cloaks and outer clothing on top of that, for heat and reduction of chill factor.
I just want to be able to roleplay my character.