At some point duirng the 14th century female cote/surcote also takes the name gown or kirtle. All three terms are acceptable. It would still common to wear an under gown and a over gown, however, regardless of what name you give them.
The men in this image wear cote-hardie variations. The man on the left is showing the sleeves of his pourpoint (AKA doublet) on his forearm. The parti-colored hose are most likely tied to their pourpoints with laces (AKA points).
"Points" is a Middle Ages term that refers to the metal tip (an aiglette) that is used to finish the end of a lace. FYI, the piece of plastic that finishes a modern shoe is still called an aiglette.
The man on the right wears a chaperon with a long liripipe.