Sort of amused by this question, based on the age variety we have\had in our 5 or 6 person riding group over the last 24 years.
My philosophy is that it is easy to remove or open clothing that is with you, compared to put on something you don't have. We have saddled bagged a 1 week trip for 24 years, and a trip can go from rain to -38c, so I pack and wear the warmest and close to the best I can afford.
Other point, how old are you? I'm now 65, and frig, -24c is cold for me, yet I've slept outside in a lean-too in -24c when I was in my 20's. My older brother would ask me what I planned on wearing the week, and then compare that to what his son was wearing on the trip, who is half half his age!
Back in the day, it was CHOKO, now I have close to the top FXR coat and pants. My warm weather bib pants are KLIM, Spring riding when daytime temps are -10c and warmer.
Below my coat, is about 3 layers, which enables me to easily adjust for temp at the start of the day, or even at lunch time. Disclaimer, I now wear a heated jacket and glove liner whenever I ride below -20c.
So, back to your question, try what works for you, but if tripping, keep your options open, inside layers pack easily. Only place I can think of for wearing uninsulated outer layer in Canada is BC.