yes layer tops, there are no rules, wear what you have. so long as it's not too tight & too difficult to be removed. I like sleeves that roll up & 1/4 or 1/2 zip necks that can be opened up
I have definitely removed a top & tied it around my waist, not ideal but works just fine
I can go longer in shorts than I can in short sleeves
reminder to myself to keep riding thru the seasonal climate changes. it makes it easier to adapt to changing temperatures. as opposed to riding in August, then again in September or October, such a shock makes dressing more of a head scrathcher
& in the other direction if you ride into the early evening, I've brought a short sleeved shirt to add over a long sleeved shirt, etc