When its really chilly, ive alway's found either my short sleeve or long sleeve Helly Hansen lifa thermal, does the trick.
The Thermal layer market, is flooded with some very overpriced tops, but ive found that my Helly Hansen thermals to be very effective.
Their very long lasting as well, so the initial purchase price represents good value.
You could of course buy any of the equally fine layered thermals, but some of them are way too expensive.
For those chilly Autumn and Winter days, a Helly Hansen, Buffalo Windshirt, and either windproof or lightweight waterproof top, seems to work for me.
The Pertex windshirt, keeps most of the wind at bay, and is highly breathable, allowing the thermal properties of the thermal top to keep most of your body heat inside.
If it gets particularly windy, then the extra layer waterproof goes on top.
I am sure many here on this forum, will have their own preference, but the Helly Hansen thermals, are a tried and trusted formula, and do not cost the earth.