We ALWAYS did costumes based on something baggy that could take a sweatshirt, leggings, or a coat underneath. Obviously, with a 9 month old, this costume is just for fun and photos, nothing for her. I'd go to the consignment or children's resale shop and see what's there.
You can always take a black or yellow sweatshirt and pants, and get some felt from the craft store in the opposite color, make stripes: instant bee. Orange and black: instant tiger. Add some drawn-on whiskers with eyebrow pencil or halloween make-up that's non-toxic. Or a green set of sweats, add a stretchy hat, and split a styrofoam ball or a ping pong ball, mark with a black sharpie, and glue on: instant frog. Those work if she's being carried or being put in a stroller. SH is right about felt being so easy to work with, no frayed edges, lots of room for mistakes!
If this is for an indoor party and not door-to-door trick or treat, go for tights and a onesie or a turtleneck if you can stand putting them on her!
The costumes with wings or a tail are harder if she's in a stroller.
Keep in mind that anything you put on her head, she's likely to try to take off, so I wouldn't go for headband-style boppers unless they only cost $1 and aren't critical to the entire costume.
For the future with your 3 year old - we've seen some great homemade costumes with boxes that can be worn over sweats or even heavy coats: cut holes for head and arms and go from there. 1) Attach a bunch of white balloons and label the box "SOAP"; 2) attach a bunch of rubber or plastic knobs (an old TV remote, the caps for the bottoms of chair legs, etc.) and you have a robot. Add pieces of flexible dryer hose for the arms, attach a cup hook and hang the candy bag on the box itself. 3) There was one painted blue with postal service logo, with a movable flap in the front - the kid was a public mailbox! There was a box or bag inside to catch the candy deposited. It was awesome!