A black and white crew-neck t-shirt and charcoal wool dress pants are absolute mainstays if you're picking out a smart casual wardrobe that matches up to the highest sartorial standards. Finishing with loafers is a surefire way to breathe a dose of polish into this outfit. Planning a cool combination can be a bit nerve-racking and time consuming on its own. Add below-freezing temperatures into the equation, and the whole thing becomes all the more difficult. Don't despair, this here is your wintry style inspiration.