Believe it noob. Any time the temp is mid 90's or above it is actually cooler to have on all the gear. Your body can not cool itself adequately if you sweet evaporates too quickly. On a ride from Missoula MT to Portland last July it was 105 deg. In the shade. I was ATGATT and very glad I was. I soaked my long sleeve silk shirt in Spokane, then Ritzville, then Tri-Cities and again in Arlington along the Columbia. With the Bellstaff Adventure coat over the wet silk shirt it would give me about 60-70 miles of air conditioned comfort. It is cooler to ride with ATGATT even on a hot day. You just need to be smart and have the right gear.