Correction: How do you say it using "layer" ? In my experience, it would be unusual to use the word "layer" for clothing. Particularly in the sense that you are asking. I have heard "It is hot in here so I am going to peel off my outer layer of clothing" but not "I am wearing three layers of clothing" A person wearing three layers of clothing would normally enumerate each of the layers as in "I am wearing a thich shirt, a jumper and a cardigan". This could be because people in English speaking countries tend to use energy to heat or cool their houses, cars and workplaces. My view on the matter may be coloured by the fact that Australia is typically very hot so we tend to be minimal dressers. High fashion develops in cold countries not in the tropics.