Pulled the liner out of the saddlebag and put it back into my jacket earlier this week, as we are in that time of year when overnight temps range between 45F and 55F, with daytime highs in the mid 70s. Too chilly for the morning commute without the liner (mesh jacket) and too warm with it in on the way home. Oh well I always prefer to be slightly too warm than any too chilly.
Depending on one's tolerance for crud on the roads the mid-Atlantic can be ridden nearly year around, at least if you are selective about it. Gotta watch out for icy patches after a winter storm but that's about it. Last winter was my first ever as a motorcyclist and I managed several rides (short, admittedly) without benefit of heated gear by bundling up and planning for warm-up breaks every hour to 90 minutes.