^^ True. It's all too easy to dress warm enough at the start, only to find you're overheating in pretty short order. Things that are easy to remove are better than things that aren't - like arm warmers instead of either a long-sleeved jersey or a long-sleeved base layer under a jersey. Think "adaptability."
That's one of the things that make autumn rides such a challenge. But the crisp air and beautiful scenery make them worth it.