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Tired and shivering, say, heading off to Balmoral? (3,3)

Ross

I believe the answer is:

old hat

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'tired' is the definition.
(I know that tired can be written as old-hat)

'shivering say heading off to balmoral?' is the wordplay.
'shivering say' becomes 'cold' (I've seen this in another clue).
'heading off' means to remove the first letter.
'to balmoral?' becomes 'hat' (I can't explain this - if you can you should give a lot more credence to this answer).
'cold' with its initial letter taken off is 'old'.
'old'+'hat'='OLD-HAT'

'and' acts as a link.

Can you help me to learn more?

(Other definitions for old hat that I've seen before include "Out of fashion, like ancient headgear" , "Dolly Varden perhaps?" , "Out of fashion, headgear perhaps" , "Dated" , "Something tediously familiar" .)

I've seen this clue in The Sunday Times.
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