I'd recommend wearing layers. For example, one of my layers is a
mid-weight long underwear tank from REI. When it feels too chilly for a jersey and a wind vest or even a jersey and a wind jacket, then I add the long underwear tank. Three relatively light layers, comfortable to wear, and it takes me down to lower temps... As it gets colder then I switch my jersey for a long-sleeved shirt, sometimes a heavier layer like a Patagonia R.5 shirt, or when it gets really cold an R1 shirt. Or combinations...
I wouldn't recommend relying on a single jacket layer - plan on adding layers underneath too.
--- Denise