In addition to what ChrisFol said about the various layers, it might help if we knew what options you have available for shopping. Living in Deep East Texas, I have Walmart, Target, Academy Sports & Outdoors and Gander Mountain all within an hour of me. Dallas is about 3 hours away and I go there about 1-2 times per year. In that area there is REI, BassPro, Cabela's along with the ones above and a few 'boutique' type stores that have more upscale equipment.
There is also a great thrift store in Lewisville.
Here where I live, we do have a couple of thrift stores but the clothing is very limited. If you are short and heavy set, you've got it made. I'm not so I have to go frequently and check for various items. Most of my gear, I've secured so I don't go that much any more and I also make a lot of my midweight tops (fleece).
You can also occasionally pick up great deals on items for sale here on the forum.
If you think you can, you can. If you think you can't, you can't. Either way, you're right.