What you would do riding in the middle of nowhere in winter if you're cold without extra layers with you?
As it already happened to me and i'm sure to most at least once.
For instance you bring an extra jacket but your feet or hands are freezing or vice versa
Or you get a flat or any other piece fail and you start getting too cold vs what you brought with you or you get soaked and has no extra layers available or you simply didn't bring enough layers with you. Or you forgot your hand warmer or didn't bring enough etc
An infinity of possibility could result in a lack of layers

In my learning process my own decision was to go back home nearly losing my toes

What you would do then in those kind of situations?