This is an example of how to wear skirts in the Winter. Plain black leggings allow you to wear any kind or color of skirt. And we can't forget about the shoes. Who doesn't love these shoes? And that's a cute skirt, by the way.
navy blue and gold - I like this color palette, but I don't think I'd get too much use out of a metallic skirt. I DO like the cut (maybe one a little longer as to be work appropriate) and it seems to be a nice, sturdy/heavy fabric.