I think you want a vest. Vests, really. If it is well below freezing, a down vest keeps the chest happy. But you have to wear this as your very top layer so it doesn't get sweaty, over the wind breaker, not under the wind breaker. Close to freezing, a fleece vest plus a wind vest. Above freezing, fleece or wind vest. The combination of fleece vest and wind vest works quite well for me.