The third layer are the leg and arm warmers.  They're made of a light, but again, insulative material and bound together at both ends by the traditional Merofian Cord, an elastic and velvety soft cord made from a plant called Merofi's Hair.  Traditionally, people of the water clan who worship Merofi wear these cords to show their connection with the Goddess.  In more modern times, however, they're simply considered decorative or practical.