The hubby and I shall be in NYC aprox 17 Oct - 5 Nov, 2013. This is our 1st ever overseas trip. I am a 42 year old female from Far North Queensland, Australia. Surrounded by tropical rainforests and beaches, with no real winter. I gather we should be dressing in 'layers' and have waterproof comfy closed in footwear, with the optional extra scarf & gloves. I'm still trying to decide on what type of bag to carry - I hate backpacks. What do you suggest for practicality? A large zip up leather handbag/tote? Oh and what is a 'pashima'? (if I even wrote it correctly!