I wear a trisuit from Jam Trisuits (www.jamtrisuits.com) for all three legs. The fabric is very lycra-rich, so it sucks you in and at least makes you feel like you're more aerodynamic (!), and it is cut so that you have a lot of range of motion in your shoulders. The padding is fairly thin and drains really nicely after the swim, or doesn't retain moisture to begin with, so I've never had a chafing problem. I thought I might, because I'm a bit of a princess-and-the-pea with my saddle and feeling the road, but it's never been a problem.