Step 3 is adding a scarf around your neck. It keeps you cozy if it's cold and more importantly it keeps your chest covered! THIS IS STILL NOT HIAJB, but inshaAllah a step in the right direction.
Alhamdulillah this is in fashion now so no complaining!
If you're already carrying/wearing a scarf every day, it won't feel weird to eventually pop it up over your head. Plus you get the added modesty of covering up the "twins" as Stacy and Clinton say. :-)