Collared shirts for men are required. Not quite as strict for ladies, but, they do not allow t-shirts, bare midriff, etc. Safest bet for ladies is to also wear a collared shirt.
On chilly days, I don't think there is any issue with outerwear.... sweatshirts, jackets, etc.
I believe the Tiger-inspired mock turtleneck is also OK.
Jeans are OK.
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Maryland (DC Suburbs) - first 51 years 
The Villages - next 51 years
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