Get too hot in tights, bib tights are a definite no go. I do wear just below the knee thermal shorts under my baggies. Even on top on a cold day it will be a baselayer, and winter jersey on top, a pair of gloves in my pocket for any stops.
As posted elsewhere, it’s not a “i’m hard” thing, once im going, i’m warm, i just try not to stop for too long.
It’s my cold sweat that i only ever really get cold from too, so try to limit in the first place.
Me and a mate have been struggling since september why lots you see about are in full tights, winter boots, thick gloves and several jackets, decided it was too much standing around faffing.
Realised in the depths of winter if i can play football and t-shirt and shorts and be comfortable, i should really be on the bike too.