Sometimes a simple question has a complex answer. Perhaps someone with a background in physics or meteorology can give me an answer I can understand.

Apparently radiant energy travels out from a warm surface until in encounters some object. Then part of it is reflected, partly absorbed and part of it is transmitted. So if I wear the typical three layers of clothing I am wondering what part of my heat loss comes from radiation through the layers. Also, would it make any difference if the first layer (or any layer for that matter) is white or black? I suppose someone could also ask what the balance of radiation incoming and out going is.

This was probably covered in my Physics 101 class and I would know the answer, had I been paying attention.