Dumb clothing question

In the freezing weather, I was wearing a merino top over a standard(wickable) long sleeved cycling top. (Fleece on top of that, and then the most expensive jacket I have ever bought).
Dumb question is this-is it best to wear the merino next to the skin, or the standard cycling top?
Dumb question is this-is it best to wear the merino next to the skin, or the standard cycling top?
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Sounds like you were incredibly well wrapped-up!
December-early January was the most consistently cold weather I have ever cycled during though.