Well, it’s a word I made up, which is why no one’s going to be asking “What is titsulation?” unless 1. I somehow get famous (not likely) or 2. I’m socializing and use it in conversation.
But back to the question and my made-up word. Here goes:
titsulation (tɪtsjʊˈleɪʃən)
Savannah Knightly
Noun. An extra layer of clothing worn to prevent the nipples from getting cold

And that extra layer? Sometimes, it could be a bra. Or a cami. Or a bandeau. It could be a scarf worn creatively (no judgment here). But those of us ladies who are often cold know exactly what I’m talking about.
And for those of you wondering if you’re right about how I made up the word, yes, you probably are. tits + insulation = titsulation. Makes sense to me!