I wear a sports bra but I don't go out without a bra anytime, I am top heavy.

For the summer I find I can slide the bib straps out of the arm holes on a sleeveless jersey so it really doesn't faze me to need to use the restroom. I live on the face of the sun, so I wear sleeveless April-early October. In the spring it takes a little more work to pull through the short sleeves but I can still do it. My long sleeve jerseys are full zip so I can just take them off in the winter. Of course I do not usually have to pee much on a ride so it doesn't matter.