I wore a pair of black dress pants and a dressy sweater with flats to the last cold weather funeral I attended. I also wore my nicest wool coat since it was pretty cold at the cemetery.
I went to a wake this summer and everyone was dressed up. My husband wore a suit and so did most of the men there. I wore a black skirt, dark top and flats. Most of the women were in dresses or skirts but very few heels. This group was predominantly Catholic (many knew the deceased through a Catholic fraternal organization) and are typically more formal in general.