Most women’s clothes are all about style. It’s very hard to find something stylish that is also warm. I do have a few “go-to” Cabela’s fleece lined flannel shirts and some warm Duluth pants that are also waterproof. I tried flannel lined jeans but I didn’t like them – too stiff. Mostly I wind up doing a combination of style and function (a nice shirt covered by a wool-based zip-up sweater, covered by a insulated vest w/hood, etc) and then I can take off all the outer stuff when I get to where I’m going.
In terms of shoes, I always wear flats of some sort with the exception of weddings. Also when it’s cold out, I put those toe warmers in my boots or sneakers – they have made a huge difference in my comfort!
Long answer, but the short one is that I wish there were more warm clothes made for women!