Eclectic Joy

Angie's post on wearing blouses and shirts in cold weather prompted this post. I was determined to try plaid shirts in a casually festive way on a cold day and decided to try layering two of them over a cotton Target tank. A thermal silk layer would also work but I wanted to be able to strip down for exercise. For even more neck warmth I added a cotton bandana scarf.
To Add sparkle I wore metallic gold loafers and later gold sneakers and a gold cuff. The belt buckle is also gold.
Jeans are an old pair of EF and felt wide after wearing skinny jeans. Are they JFE or should they go? Should I tuck on my waist-less rectangular frame?
Does the layered shirt idea work or look silly? Comments and suggestions welcomed.
I needed more warmth later in the day and added the red puffer vest below in finds.