I have 2 jerseys and 3 pairs of road bike shorts and 1 bib. For roadbike, I wear the "kit" but if I'm on my hybrid, it is simply short and t-shirt. Nothing expensive (except for my bib, which I hate wearing so I keep it for those super long ride). I watch the sales and that's it.

But never training without a sports bra. Gotta preserve those, even when I'm on trainer in the basement.

I would certainly buy a whole lot more kits but I prefer to spend money on something else. And our gym clothes are washed as soon as we get back home (on in motorhome when traveling - we have a combo machine in there). So no need for 20 kits. For me. In the basement, I start with the jersey but within 5 minutes, I'm alreary in bra only. So what's the point wearing a jersey. hihi

Always short sleeve and if needed, I wear a sport coat over it or arm/leg warmers. I'm always too hot anyway if I could go chest naked.... I would. haha