I really like Polartec Alpha Direct based products for this use case. For an insulative material, it has an extreme ability to pass air and moisture. At speed and with no-covering it feels less insulated than a typical long-sleeve jersey because of the breeze that comes through. However, cover it with a wind-blocking layer - even a highly packable rip-stop jacket or vest - and it's suddenly becomes really warm.
This makes it very versatile both between days where you can choose your different jackets, but also during a ride where removing a layer drastically changes your comfort.
This one from PEARL iZUMi is a great example, but other companies also make great products.
https://www.pearlizumi.com/products/mens-pro-alpha-layer-11122205?variant=41958671122603
Full disclosure: I helped develop the above PI garment.
I talk a lot - Give it a listen:
http://www.fasttalklabs.com/category/fast-talk I also give Training Advice via
http://www.ForeverEndurance.com The above poster has eschewed traditional employment and is currently undertaking the ill-conceived task of launching his own hardgoods company. Statements are not made on behalf of nor reflective of anything in any manner... unless they're good, then they count.
http://www.AGNCYINNOVATION.com