Midlayer doesn't matter much, though perhaps I should do a better job at it. These days, it's a dress shirt which I wear for the rest of the day at work. But that's for convenience. It tends to be hot. The important thing for me is the under layer, and a merino wool t shirt is just fantastic. I paid $60 for a Smartwool shirt, which is damned expensive, but it has paid off in a big way. I only have to wash it every week or two, and it prevents my dress shirt from getting wet.

When it gets colder later this winter, I might have a wool sweater between my shirt and the jacket.

I'm thinking I may be better off riding to work in cycling clothes and changing at work. I did that this summer.