I like performance clothing usually in sport fabrics. I don't even like running (when I used to run) in a huge T. I certainly don't want any extra fabric to worry about on the bottom. Plus, my racing saddle isn't super comfy for riding without the right bottoms. Cotton retains sweat. I'd rather be in some semi-dry UnderArmour than in a sogged cotton Tshirt.

I will use a bag, but I also like having things in pockets that are easier to access. I like that jerseys zip.

As for sole stiffness, there's much greater efficiency of power transfer in using a stiff sole. It also helps to stabilize the foot which can be important for people with biomechanical injuries, as it allows them to retain proper leg alignment.

If I were out riding around on a beach cruiser, then I wouldn't need much athletic apparel, but I still don't like my clothes to be very loose.