Same way the scarves now have a (loose) mode, these exist:
I don’t suppose we could make/find them in-game in the future?
Honestly the loose scarves are pretty much abuse, not proper use, of the transform system.
Any clothing that only changes encumbrance and warmth by loosening that takes no time or not much time should just have 2 warmth values (minimum and maximum) and use whichever is closer to comfort and just always use the lower encumbrance.