Dresses in "winter"

I used to wear dresses in winter even in Boston.  It's even easier here, but the main approach remains the same: tights, boots, and a top underneath, and an appropriately warm coat (plus scarf, hat and gloves in Boston) for outside.

(Dress: Banana republic (this is one of their classic items that they make in different colors and prints each year.  It's a very easy-to-wear, flattering, and versatile wrap dress.  Not as low-cut as a DVF, and much less expensive.), Boots: banana republic. Necklace: ... you guessed it!  Banana republic!  I bought all 3 items at different times - different years even I think.  But they do work well together.)