I certainly hear your concerns.
I run a mesh jacket and pant. They come with liners for rain/wind/cold as needed.
Varies pairs of gloves as needed; mesh summer/lower protection ones defiantly get worn.
Yes I get hot..
What I find interesting is that often in the summer when I occasionally wear shorts + the bike pants, I feel the engine heat more than jeans + pants. The rest of the legs are cooler from airflow, but net effect of heat it worse.
To summarize -- layering obviously keeps summer heat in, but can also keep bad heat out.
As a result, I just wear what I wear based on daily plans and deal with the heal accordingly. Stopping is terrible, but when mobile things aren't bad. You know this; I just haven't found a good way around it with out removing armor.
Now that I have been entirely unhelpful, carry on....