My Zetec 4/4 runs noticeably cooler since a Mulfab Al radiator was fitted.
The fan only comes on now in extreme weather or traffic.
However, mysteriously, the heater works better.
As for clothing, there is almost a wardrobe full depending on conditions: though most belong to TlLB!
I also keep a fluffy red, Morgan rug in the car. It is dual purpose; keeping Susie warm and (rolled up in a squash bag) as a footrest in the passenger footwell.