When it's too cold for short sleeves but not cold enough for a real coat, my preferred outer layer is:

If it’s too cold for short sleeves hell has frozen over. It’s never too cold for no sleeves is the correct response

A light-weight jacket.

A regular long sleeve shirt.

Flannel being subbed here is wild

A wind-breaker

A zip up hoodie.

Carhartt chamois shirt as a light jacket

Walls.
I go inside.

My old Members Only jacket.

Definitely a Zip up Hoodie… I won’t wear a pull over. Too Hot!