When I was growing up and living in Victoria,I would need to keep very warm,and this would happily wear 3 or 4 layers depending on what those layers were!! I have lived in North Qld now for over 30 years and even in the deepest winter months I now only need 2 layers and those only till lunchtime!! I far prefer it here, to the cold in which I suffered so severely with arthritic issues for starters!
1 cotton sleeveless singlet, a thermal long sleeve top, my cotton (summer) dress, a cotton cardigan, a short polyester jacket, & a scarf. Warm enough for Sydney Au, but if I must got to Melbourne in the winter, it would have to be slacks. marino top, & a wool jumper, wool coat & a scarf. Because we stay with our daughter while visiting Melbourne, she hates me turning up in a dress in the cold, & my husband thinks it looks stupid anyway!! (I just find black is so boring!)