i layer, mostly because i get cold easy and dont want to leave the house looking like an eskimo. What i do find stupid is shirts that are designed to look layered. like you know the polo shirts with the extra long sleeve sewn in under the tshirt arm. its like :|. You lose the warmth youd get from it and youd probably get more for your money if you brought some cheap long sleeve shirts and then some nice tshirts. that's a pretty stupid I idea, the whole fake layer tops thing ... it looks better when you layer them yourself. I layer tanks all the time. I like polos though, I like those collars.