Dear Mari

layers are always helpful.

for fall cold fronts in FL one thing i used to like a lot were cotton flannel shirts as 2nd layer.

esp. over a tshirt as 1st layer

and a light windbreaker over the whole thing.

if it's colder (and in winter), you can "upgrade" to flannel shirt as 1st layer instead of tshirt.
light or heavier sweater 2nd layer
jacket as 3rd layer - light o a heavier as appropriate.

~ waves ~