Knickers and bra, of course. Long sleeved t-shirt. Two pairs of socks (one hand-knitted and another older baggier pair of shop-bought that have felted in the wash). Sweatshirt. Fleece sweater with stand-up collar. Jeans. Joggers over the top. Hand-knitted fingerless gloves. Buff as a nick-warmer. Turtlefur fleece hat. Indoors in my room.
It is on days like this that I miss my space-heater (dualG5 tower mac - swapped it with hubby for his Intel iMac). We can't afford to boost/advance/turn the heating on during the day.
ETA: I also have a blanket over my lap/knees/lap and my knees are still cold!