Well, I understand in concept because I first started buying microfiber bottom layers and such when we were traveling in the UK in February.
And I always ended up stripping off layers back when I was walking a couple of miles a day, or especially hiking.
What it will take me a while to figure out is what will work best for which temps when cycling, where the self-generated breeze will eliminate some of the heat my body generates. But you're right, I think I kind of nailed it, first try today!