i usually use something thin on top of my fit, a tiny garment if u will. maybe two, maybe some stuff around my neck or ankles. u get the picture.
then, once im there, i use pins to pin the fabrics together and hang it not from my waist but around my torso, diagonally. like a sash.
pin wise, i usually make a long chain and hang it from my bag, a sleeve, my ear.
i love how it looks, and im never cold.