This time of year (when the post-holiday fitness plan hasn’t yet shown major results and it’s freaking freezing out) you start craving something to wear that’s loose and layerable, yet clean-lined and luxe enough to look like you made an effort. Vince’s navy short-sleeve tunic in insanely soft goat suede is the answer. Wear it over tights and a turtleneck now; wear it on its own, as in the photo, when Mother Nature eases up.
 

$750 at Bloomingdale’s, 900 N. Michigan Ave., 312-440-4460