There's a lot of good advive. There's no perfect advice for everyone.

Fleece allows greater transpiration of sweat than laminates. It allows more airfliow.

In some circumstances, more layers of fleece work, relative to a windproof laminate with fewer layers.

If you are riding really long, e.g. 3, 4, 5 + hours, taking a second set of dry tops can work wonders to solve clammy chill. Even after baring your chest to change, you will feel instantly warmer.

Polypropylene next to your skin, and acrylic or wool next will aid sweat movement off your skin.

Wetsuit closed-cell neoprene will make you really wet, but it allows your body to warm the water layer. Cold water is 30 times more heat-conducting than cold air. With windchill, cold-water is 5+ times more chilling than equivalent-temp air. I tested a 50-60 surfsuit skiing in 20 Utah skiing. Niice.

Some people are fans of Lou Fox. Never tried his wares. He makes kit in lots of different materials. Reading icebiker.net and his website, it looks very good. You might want to talk to him about sewing in some pit-zips. These really improve versatility.

I have ridden with Gore Windstopper and Gore-Tex. Elimination of windchill is superb. "Breathability" relies on opening the pitzips. When you start are riding fast and feel hot and sweaty, open them up. When you start feeling cold, zip em closed.