Smartcat, your suggestions are awesome. I have on many a very cold winter day(ice storm blackouts, etc) done something similar to what you suggested. I would take a bath towel and wrap it around my lower legs, under the baby blanket that was already covering my lap. Of course I would only do this around the house, not when I was going out anywhere, but with my new lapghan that won't be an issue.
This just made me think about something else, when I'm tending my fireplace I need a fiber that will be spark resistant.
Maybe something I can quickly lay over my lapghan, just to cover my lower legs? I'm thinking it would have to be 100% wool, maybe felted? I have noticed that many of the spark arresting hearth rugs are made of 100% wool. Not only would that protect against the unavoidable sparks, but also the intense heat while cooking in the fireplace. What do you all think, should I use wool for something like that, or is there another fiber out there that would be better for a protective overlay.