The term SHOULDER WARMER can be broken down into two crossword solutions: STOLE (5 letters) and SHAWL (5 letters). A stole is a long, narrow scarf-like garment typically made of fur or fabric. It is worn around the shoulders and upper body for warmth and fashion. A SHAWL is a large piece of fabric that is draped over the shoulders and upper body for warmth and fashion. Both the stole and the SHAWL are popular shoulder warmers and can be found in a variety of colors, fabrics, and styles.