The most common cold-weather mistake is dressing for how the first step feels. You warm up fast, so dress for mile two.
Base layer
Choose a close-fitting technical top that moves sweat away from your skin.
Mid layer
A light hoodie adds warmth and has a zip you can open once you are moving.
Outer layer
Only reach for a shell if it is windy or wet. Anything else traps heat you want to lose.
The three-layer rule works. Dropped the extra jacket and I do not overheat any more.