need advice  you guys are many different parts of country

you all know i am a quad   i can not put a coat on  i can get a pullover on however it has  to be larger than  if normal peron would wear

its cold here in panhande florida i have some heavy fleece but its not warmm enoigh and i want outside too ride bike

suggestion please   oh and its a windy here but not as windy as fatchance got today

I bought a friend of mine who had breast cancer a set of PJ's from Kohl's in polar fleece that had a poncho.  She is all healed up but wears her polar fleece poncho camping all the time.  You may want to look into ponchos then if you stop you have something to wrap up in.  I'm always cold I bought one from Sam's by woolrich for about $10.00.  So far I haven't used it.  Good luck

i want or need something i can put on then go out to ride   i can ot layer as i don/t have the dexterity or strennght to pull on. so it a cotton undershirt tank top the outer layer

I like the LL Bean's Sweater Fleece pullovers.. I like this one 

You 100% need something with Gore Windstopper in it.   I have several items for hunting  (Sitka brand $$$$)   but it's a game changer and the stuff isn't even that heavy.  

I don't know what size you need for oversized, but this mens shirt comes up to 2xl. 

https://www.amazon.com/GORE-WEAR-Breathable-Collar-Turtleneck/dp/B0785FZ3WX/ref=sr_1_12?dchild=1&keywords=gore%2Bwindstopper%2Bpullover&qid=1610576142&sr=8-12&th=1&psc=1

I agree with the poncho.  I made one with armholes and it is amazingly warm maybe too warm at times.