I've been there too.

Crankin, your commute the other day describes the reason I rarely wear thermal jerseys. I often need the flexibility of multiple thin layers as the day warms up (or cools down, depending on when I start). I only really need thermal tops in December -January when the sun is low in the sky and least strong. However it's the opposite for my legs and feet -- last winter I wore my AmFib tights often and rarely had warm feet when I rode. I bought some Gore booties toward the end of the season and am hoping they help this year.

Meanwhile. I did my hill ride tonight after work, just shy of 20 miles. Temps were in the high 60s and it was dark when I started. I wore a thin wool base layer with long sleeves, a short sleeved jersey and capris. I was too warm sometimes, chilly a few times and sweating almost the hole time. I guess on average I was dressed right.