I just use a windproof 7mesh shell as a top layer in winter (bought on super sale, not worth the $400.00 MSRP in my opinion) and adjust underneath as needed. at -20 a base layer, long-sleeved jersey, and wind proof shell are fine, first 5 mins is cold but once you start generating heat it's fine.
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I have Strong opinions about things I know very little about.
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