I have the opposite problem when stopping after riding in winter. I overheat if not carefully layered. When I stop at traffic lights, or elsewhere, I have to open my jacket to spill out the warm air or I'll be too warm.

Very cold temperatures require layering and a way to quickly dispose of excess heat. When taking Arctic Warfare Courses in the army we were always told that sweat can kill. Thus I try to avoid sweating in the winter when riding my bicycle.

A quick-release rear rack attached to your seatpost, and a trunk bag on that rack gives you a place to put extra layers you shed or need to put on.

Cheers