I live in Texas so I don't think cold weather will be too much of a problem.
Not trying to sound like I am lecturing; you will make the call as you see fit, as is your right...... long story, sorry for that.
The MSF teaches that it is always a good idea to dress for the crash. That's the one thing that you really cannot completely plan for -- taking steps to limit damage is something that many don't do a very good job of.
More gear means more material to wear away if you end up sliding on pavement, that isn't YOU. I've been adding to my collection for the last 15 years.
When I lived in OR and WA, I had heavy gear for winter. A textile jacket with liner, insulated riding pants, balaclava, insulated boots, heavy gloves.
Summer temps rarely pushed past 70 or 80, so I could use that same jacket with all the vents open and not overheat. Had to go to lighter gloves, boots, and ditched the accessories, but still had a fair amount of padding and armor between me and the road.
Now in VA, I have mesh gear with armor for summer riding. My perforated leather jacket with armor works in the spring and fall and I go back and forth on what riding pants to wear.
All my gear now has CE2 rated armor pucks in the shoulders, elbows, knees, hips, and most of the time a spinal protector. Even my gloves have armor over the knuckles.
I seem to have an incident where I end up on the ground roughly every 3 riding seasons. This has held true throughout the period I have been riding on the street, which spans from 1985 to now.
Having slid on pavement in everything from 1) a tee shirt and corduroy pants, to (6th or 7th crash) armored jacket pants, gloves, boots, and a good FF helmet --- it's a lot easier on your body with gear.
The gist of this is that if you have heavy gear and it's comfortable in the conditions you are riding in, that's a much, much, much better choice than going 'light'.
I for one appreciate a bare midriff -- 'speically one without a 'muffin top' ---
But it's much harder on me looking at hamburger where that midriff once was.