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Glws
Sounds like you rate it, but, that combination, to me, sounds like a recipe for trapped moisture - The insulated jacket creating body heat and then that turning into sweaty condensation when it can't escape through the wind jacket.
For variable weather riding from day to cold evening, personally, I'd have a suitable base layer and jersey then pack one jacket for later on. Also, I'm a big fan of a two way zip, so that you don't have to take layers off, you can just undo them and regulate your temp that way.