I would actually advise not getting down - you’ll probably roast. Stores really crank up the heat here. So say you’re out running errands on a winter day - you go from warm car to brief outside walk in sunny 40 degree weather, than into a sauna store. Or if you’re longer outside, you’re usually walking, so again, you’ll be warmer. All that being said, I’ve been happiest in a fleece jacket, something like this: https://www.llbean.com/llb/shop/120713?productId=1678613&attrValue_0=Arctic%20Blue&sku=1000102190&pla1=0&qs=3156271&gclid=EAIaIQobChMIgIqb4e64-wIVzODICh2sbAoFEAQYASABEgItC_D_BwE&gclsrc=aw.ds