All good, i'm relatively new too (couple years). I wear one of those lightweight moisture wicking skin layers and then a jacket/coat on top of that. More like a windproof shell with a bit of fleece in it and heat vents. That combo works good in most weather.
Get hot? Open heat vents. Get hotter? Go down to the under layer which i've never really had to do but i'm pretty acclimatized to heat from working in 50+ degrees.
Get cold? Zip up heat vents and pull out the 2nd layer from pack and wear under that shell as a 2nd layer. It's basically just polar fleece but it has all sorts of fancy names now. Furnace layer I think Hunters Element call it.
Get colder? Pull out the full blown water/windproof jacket and throw on top as layer number 4. Still got 2 lots of heat vents in layers 3 and 4 if you're moving and steaming up.
Pretty easy to have 4 layers with you this way. Wear 2 and carry 2 in pack, both of which pack down pretty damn small. I thought all this layering stuff was marketing BS when I started out, but I gave it a go and it does work.
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