Is wearing layers during summer like baniyan+shirt good for health ??

Wearing in winter is fine as it adds a layer and better for insulation.
But in summer:
Wearing two layers doesnt seem good idea, while some says it protects the shirt but what about our skin health.
It get drenched in sweat and stick to the body.
While shirt only dried fast but yah it looks bad for a while when its soaked with sweat.
And dermatologist said sweat +dirt+ friction causes back rashes and acne.