My experience in NYC is I’m too hot inside work buildings if I have them on top and bottom all day. It depends how warm they keep your building. I’d rather be cold during a 20 minute commute and comfortable all day. Usually for work I don’t wear thermal bottoms, just on top, or in lieu of a thermal top I might wear a turtle neck.
Don’t get me wrong, I love comfy thermals. They make a huge difference. I wear them as pajamas sometimes.
The secret to layering and keeping warm is your first layer be right up against your skin, which is why thermals are so effective.
NYC generally has good heat. The majority of the city works on the centralized steam heat system.