#1 tip is to stay south of the Mason Dixon Line from November to April
However A few years ago I did buy a waterproof neoprene fleece lined jacket made by an outfit called stormr. A T-shirt was a sufficient under layer down to about 20* and at anything above 40* you would have to unzip it and loosen the cuffs or you’d break a sweat. I am a weenie when it comes to cold so this thing really saved my hide on a couple occasions. If I anticipated spending any significant amount of time on deck in the higher latitudes again I’d probably purchase the matching bibs as well.