Good point.
Nope. I just raid a bunch of houses and practice my sewing, and, well, here are a few more notes:
-long underwear bottoms and tops
-two pairs of wool socks on the feet underneath combat boots or the like
-two pairs of glove liners on the hands
-if you need more warmth on the legs, try switching from a trenchcoat to a duster (also, wear sleeved ones to keep your arms warm)
-hoodies are torso-clothing-layer storage and also a lot of warmth
-a nice wool scarf for the mouth, over a bandana
-knit or wool caps on the head, and you can double up on them
-if you find neoprene arm sleeves or leather corsets, hold onto them; they’re not craftable but are good warmth/protection for their respective parts and layers
You might notice that most of the above items are craftable, and in my experience, aren’t too uncommon. A wool allergy will force you to use a knit scarf instead of a wool scarf, granted, and it’ll hit your feet the hardest, since wool socks are so great and nothing else really comes close for that slot, so you might actually have to wear, say, fur boots in that case.
The thing about mutated limbs does stand, though. I suppose if you’re an octopus you might want to dabble in some of the furry critter serums to become a furry octopus, and if you’re becoming a bear and roll huge mutations you’ll want to make a beeline for the furry stuff if you don’t already have it (thankfully, it’s right in your geneline), yeah.