You can already sleep on piles of clothes and gain various warmth benefits to stabilize your temperature, so why not add a “bundle up!” command?
Similar temperature stabilization benefits to sleeping on a bed with clothes on it, without having to sleep. You bundle up there and go into bundle up mode. If you spend time there (ie reading, eating, waiting, etc) you gain the benefits slowly over time. If you do anything complicated, get into combat, or otherwise something that’d not be conducive to sitting there in one spot, the ‘bundle up’ mode will cease.