Is an undershirt under a Johnny collar polo silly?

Not gonna lie, I’m insecure about showing much chest with a shirt, so my immediate impulse with these is to wear a tighter neck crew neck over it. It seems generally advised that polos should be their own base layer, but I kind of like the look of this—for me it has a similar vibe to the short sleeve over long sleeve thing without being overtly like a statement. But does it look more silly than I realize?
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