On top, wraps rule for me. I usually wear either a cotton blend tank or t-shirt with a wrap over top. This way, when it's too hot I leave it draping open and sleeves shoved up. When it gets colder, I wrap the front ends around myself and pull the sleeves down enough to cover my entire hand. On bottom, I usually wear black leggings or black yoga pants. On my feet, I wear either soft leather flats or ugg boots (the latter ugly but very comfortable). I say the rule of thumb is to KEEP IT SIMPLE.