Excellent information. Thank you.
BUT the "cover up" phrase of your summary is a good example of what causes the mis-understanding.
"Cover up" does NOT mean to also severely restrict the air flow to the body.
Air flow must be maintained......in most reasonable situations.
It is also true that past a certain point.....maybe 100F ambient......that simple sweat and air flow can NOT be counted on to keep you at a safe temperature. It just won't. STOP riding and get out of the heat or get some "supplemental" cooling.