Layering is my strategy. I have a few short-sleeve base layers and a few long sleeve base layers (the latter of differing thicknesses, so I can choose one based on conditions) - some are cycling specific, some are walking base layers (but they’re all fairly tight cos I’m fat!).
I mostly have short-sleeve cycling jerseys, which I can layer up with a base layer, plus some arm-warmers if it’s chilly (if it’s cold enough I know I won’t take the arm warmers off, I sometimes wear a long-sleeve base layer underneath). Several gilets to put on top (some packable in a pocket for emergency use, others less so). Last year I bought a Gore C5 shakedry long-sleeve top that I’m v impressed with - thin and breathable enough to wear with just a base layer when it’s warm but wet, yet wind proof so can use it on top of multiple layers when cold and dry.
In terms of brands, I have more Sportful bib shorts than any other brand and am happy with them - some are normal Lycra, some are the “Roubaix” style fleece lined versions for winter, worn with knee-warmers. Endurance are also good. My fav bibs are Assos, which I only have one pair of (bought in a sale, obvs!) - worn very regularly for about 10 years and still comfy and Lycra not becoming thin and see-through. If knee-warmers aren’t enough I tend to put running bottoms on top of the bib shorts (Pearl Izumi, Ron Hill or
Nike), but I do have a pair of Castelli Nanoflex long bibs that my wife bought me for Christmas a few years back, along with one of their posh Gabba jackets. They’re v nice but sizing is not great for normal sized people - Gore is better if you’re shaped like me!