I am new to cycling, and mostly when I am on my bike, I am pulling my two kiddos along in a trailer behind me to the grocery store, zoo, etc.

However, I am interested in getting into longer rides sans trailer. This weekend, I did a pretty short ride (12ish hilly miles) in my street clothes. Without going into details, it was uncomfortable. I need some gear, as my husband and I would like to start doing some longer rides/touring together when I become a better/stronger cyclist.

So, without spending a bundle, does anyone have recommendations about the following:

1) good moisture-wicking bras;
2) skorts or baggy shorts with good chamois (I am not comfortable is traditional cycling shorts);
3) jerseys;
4) outerwear/wind jackets; and
5) anything else you think I need to know . . . ?

Specific brands and styles would be great.

Thanks much!