Ya, the road forum is a bit "to cool" especially when it comes to more traditional things like wool jerseys. I wear a tight fitting short sleeve jersey under mine. Otherwise a base layer like an Underarmor or wool long john type garment works well. If its just a little cool, weather wise, the jersey alone would probably be fine as well. I'm really old school and crumple up a piece of newspaper and stick it under my outermost layer. Really cuts the wind and keeps the cold off your chest.