Ok - what is a good rule of thumb for deciding how much clothing to put on your bubs?

a midwife in hospital said look at what you're wearing and then triple it for a baby - ie; if you have a t-shirt on a bubs would need a singlet, tshirt and jumper..... does that sound right?

Charlie always seems to have a heat rash somewhere on his body because I get so paranoid about him being cold I think overdress him.

I know it seems like such an easy thing to work out but Im finding it quite difficult - although I do take clothes off if he's red in the face....