Great pics, KSH. I'm with you on this one: I'm dressing to stay comfy. There's no way I'm bringing home 1st place, so I'm out there to feel comfortable and race well. I've kept a zip up jacket in T1 to pull on over the swim. Full zip means I can just put it on and don't have to mess with pulling something on over my head and then down my wet/sticky body. I've not worn pants, tho. If my upper body is warm, my legs will be OK.
I saw someone once wear knickers in the pool, tho.