It ain't about how much you wear it's what you wear and where you put it.
Everybody is different in what it takes to stay warm you just have to figure out your system.
Big key is not wear so much that you sweat walking in.
For me I start out with a merino base layer and socks then a insulating layer. Then my outer clothes usually when its below 35 I pack my coat and bibs in and put them on when I get situated