I am from Los Angeles and I lived for many years in Hawaii so you can say I am a warm weather person. However, I am going to be moving to Western Montana and I really want to be able to ride during the winter months.
some people born & raised further south are never acclimated to northern latitudes.
I only adapted to 90 degree dry summers by having a cold pool to jump into at regular intervals.
Cannot layer any better than naked swimming, then.