Wear BOTH!!! Robes over your armor!

Oh yeah, I forgot, Bethesda forgot that people can actually wear multiple layers. I guess we should thank them, though... if it wasn't for their foresight, we would forget to wear underwear! I mean, just look at all of the poor naked people in Daggefall. They must be FREEZING! I'm sure glad they glued them onto our characters in Skyrim!

At least it makes it easier to not overdue it. I find my Nord in Daggerfall can't get enough clothing. She's walking around with full armor, a hooded robe, and two hooded cloaks over it all. There's no wonder why she's always overencumbered!