same here, and i found out sorta the hard way
i was over wearing for the weather.
the last few days i wore just my waterproof/windproof jacket, with just my usual short sleeve T, and i was still warm, to even hot and sweaty.
i did pick up the suggestion to wear a synthetic fabric next to the skin, then anything that absorbs moisture on top, and that really helps a lot.
before that, i had several layers of soft shell jackets, and sweater jackets, etc...
i wont be needed those extra layers now, not until it hits like -20c
pictures here
http://www.bikeforums.net/showthread.php?t=485397