I interpreted "Cozy and Warm" with argyle. Argyle socks, argyle sweaters, definitely cozy and warm :) I did different color schemes on each hand over a base of American Apparel Poppy. (And in case you're curious, I did not leave the house with a different argyle manicures on each hand! I did this for the blog, then took it off.) I used scotch tape for the background squares, and I freehanded the lines. The freehanded lines looks super-sloppy up close, but they looked all right from a distance. I haven't done much freehand, because I like the crisper lines that come from taping and stamping, but I think this is a respectable effort.
Above: base: American Apparel Poppy. OPI Suzi Skis in the Pyrenees and Kiss Striper in White
Above: Base, American Apparel Poppy, Sally Hansen Pacific, and Kiss Striper in Black