Sandra- for you and your situation, i would say yes get a black full zip Ibex shak. It's about $94 right now at Udans.com....I don't see it anywhere any cheaper. It will have a dozen uses and will excel at all of them. It's sleek, elegant, warm, but not bulky or too heavy. You can wear it over base layers and turtlenecks or under jackets and vests...really whatever you want!
Bottoms? I stick with my heavy wool tights and my usual black leggings of various kinds, but most women are not so comfortable walking around in black leggings alone. You might want to try the Ibex Loose Tights. They look so fabulous on my friend but just don't hang right on my figure. They are a great slim relaxed wool pant that is soft and stretches when you move.
A lot depends on whether you want something in wool to wear alone as a pant, or to wear under some pants as a wool long john?