Options for layering. You got a few great ones from above. Think about basic layering.
1) Base layer- quick drying, light, and moves with the body.
2) Mid-layer- heavier weight, adds distance from the shell, and works when wet.
3) Shell (your Drytop).
In paddling most people use a single base layer under their drytops. A wetsuit style top (Hydroskin- NRS= Great choice) or a thiner fleece style works best. In really cold weather people tend to add on layers. This is a great option because you can layer based on the weather, length of run, or any special needs.
As far as the stink goes... wash your stuff more often. Once a season may not cut it for your needs. Let you paddling gear dry before packing it away. And, NEVER throw wet gear in the trunk- where it can fester in the heat. The stink is really coming from you. Meaning that it's really your own skin cells that have been scrapped off by the inside of the shell. Those skin cells grow bacteria and that's what makes the smell. If you're wearing some kind of base layer- most smell can be removed in a regular wash. If you have not been wearing a base layer- the smell goes directly into the shell. You'll need to wash the jacket. Buy some "Sink the Stink". It is super strong stuff, and a little goes a long way. One ounce per 20 gallons of water.
Hope this helps.
I love to dance, but who needs the music- It throws me off.