I think in general conversation you might say 'I wonder what I should wear?' rather than quantifying the number of clothes - this does not sound natural to me, and is not specific about the type of clothes you are wearing.
Similarly, I would be more specific in the heat: 'I shouldn't be wearing a coat/scarf/jumper, it's too hot.' More often I've heard 'I'm wearing too many layers' when the person is feeling too hot.