@Stephen — Mosquitoes are quite common in the Pacific Northwest (and similar places). They can be found in abundance on days when the weather is dry (as is common in the Pacific Northwest in the summer). It is rare for temperatures to get anywhere near body temperatures (typical temperatures are around 65 degrees F). But I have seen them in large numbers while sitting around camp, even as the temperature got down to the 50s. (The state of the flowers has more to do with mosquito numbers than anything else).
In general though, a bug shirt is not needed for warmth. If you are walking around on a sunny day (with no shade) you really don’t want to put on an extra layer (although it helps with sun protection as well). The more breathable the fabric, the better. The Original Bug Shirt (https://www.bugshirt.com/) is excellent, but heavy. I’ve used rain jackets as well as some wind shirts for bug protection, but the challenge is finding a wind shirt that is as breathable as the Original Bug Shirt. It may not be possible — I’m not trying to find a miracle here — but a good compromise between weight and breathability would be nice.
By the way, this is common with gear. The lightest sleeping pad for the weight is closed-cell foam. But it isn’t that comfortable (and they are bulky). There are very lightweight inflatable mattresses (with no insulation) that offer good comfort, but no insulation. It is the compromise between the extremes — fairly lightweight, comfortable, but well insulated — that got the masses to buy into the NeoAir (and similar) pads.