Are you using too many layers? I was neither too hot or cold with a Nike dryfit running top and a Gore-tex jacket from Marmot w/pitzips (wonderful for regulating temp) down to about 15F, below that I added an old wool sweater for more insulation. This combo is pretty cheap when you consider I got the Nike top with a gift certificate and the jacket was $80 and I can use it year round with different layers under it. Old wool sweaters are a few bucks at any resale shop. I like pit zips a lot because gore tex does not let frozen sweat (which is what developes on the inside of your jacket in winter) escape, with pit zips I never got hot enough to sweat too much. Also if you get really hot you can unzip the front pockets allowing for even more ventilation.