I don't beleive in the one suit does all routine, so I have multiple suits to wear. Or just combinations of items. At no time do I wear street clothes.
My light weight suit is an all mesh setup. I like it in the 80+ range.
My middle weight suit is an Olympia Recon 2 pants/jacket combination. I like it in the 65+ range, but below 90. I can wear it above 90, but if I'm stopped for long periods I will get hot.
My heavy weight suit is BMW City Jeans and a Textile jacket with liner. Anything below 65 is okay with it so far. In Southern CA we don't get down to freezing, so this is about as much as I need for lower temps.
In all cases I wear nothing except my underwear beneath these suits. All suits are armored with CE approved armor. No multiple layers. No heated clothing. I do have a one piece rain suit in case that is needed, but that's about it. Good gloves (multiple pairs for different temps once again), a helmet, and boots. Now I'm an ATGATT rider.
Of course, when I was younger and poorer, I tried to use jeans and jean jackets. I went down one time at 50 mph and vaporized the entire back of my jean jacket, jean shirt, and a few holes in my pants. I also lost a 4 x 4 patch of skin of my back. At that I was lucky as I spent most of my skid on top of the motorcycle (don't ask how I managed it as I have no idea I just did it) until I got kicked off then slid on to oncoming traffic and decided to roll back in my lane when I saw a blue truck with a women driver (freaking too!) laying on the brakes (blue smoke everywhere) heading my way.
My riding gear got better and better as I got older or got better jobs.
But even so, any gear is better than no gear. The idiots I see wearing shorts and not much else really give me pause. Some of the harley riders make me think if they go down, they'll deserve everything they get for the "look" they want. If I get laughed at in my spaceman garb, at least I know I'm better prepared than I used ot be for a ride.