The ability to ventilate a windproof layer by adjusting zippers and so on is a plus, but it is pretty tough to dress for hard exercise and stops. Around home, when it is cold, I just run instead of riding for exercise. On tour the few times it was really cold, I just tried to not get too sweaty when riding and tried not to stop unless I was ready to put on another layer or go inside.

If it is just hard training rides, it is easy. Dress to be OK while working hard and go inside as soon as you stop. With that approach it does suck if you have a mechanical problem and are stuck fixing it by the side of the road.