Try your local thrift shop for merino wool lightweight sweaters I can usually find at least one and or a regular old Pendleton shirt, not merino wool but those things are really warm. This kind of stuff can be had for 3 or 4 bucks if they are having a half off sale and normally not over 12 bucks any time I've been looking.
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(Life is too short to play crappy guitars) 2006 Raleigh Cadent 3.0, 1977 Schwinn Volare, 2010 Windsor tourist. ( I didn't fall , I attacked the floor)