How about camelbaks race vest? Never used it, but it's a closefitting vest with an integrated hydration pocket, designed to ride very close to your body. i'd like one once it comes in other colours than white
Won't help with the overheating though - except if you put cold water in it should help until it heats up.
Winter riding is much less about badassery and much more about bundle-uppery. - malkin
1995 Kona Cinder Cone commuterFrankenbike/Selle Italia SLR Lady Gel Flow
2008 white Nakamura Summit Custom mtb/Terry Falcon X
2000 Schwinn Fastback Comp road bike/Specialized Jett