What to wear under a women’s cardigan?

I would advise every lady out there with different figure types to approach the cardigan outfits more figure-hugging. For example, what do you think of an outfit with a lace top, an elegant skirt and an oversize women’s cardigan?
Or a pair of beautifully fitting jeans paired with a tank top, spaghetti top or favourite blouse and then a cozy cardigan.
The warm cardigan outfit then looks casual and comfortable, but still elegant and feminine.