Nebraska, you are correct about the BDU blouse and you can wear several layers underneath. I've found the pants work the same way. Last Sunday, it was a little bit chilly here in the morning (36 degrees) I wore my baselayers, some very heavy fleece wading pants and had plenty of room because they are so adjustable. Tuesday night I was in a hurry to get in the field because I got off work and put them right over my jeans and had no problems at all. I haven't tried with my bibs on, but I can put my Carharts on tonight and I'll send some pictures of what it looks like. Not sure if you've seen these pictures or not, but this gives you a look at how adjustable the stuff is.
This is tightened up a bit.
This is loosened up.