I agree, you do not have to have cycling specific jerseys. NO COTTON!! something wicking. I do have jerseys, but in the winter, I tend to wear Under Armour brand stuff. For that distance, the padded shorts would be nice. I did the MS150 in 2005 (didn't this year because of school), in the Dallas area (somehow, Frisco to Fort Worth doesn't have the same ring as Frisco to Ardmore, OK). It was the most well supported ride I have ever done. I didn't ride 30 minutes without some SAG passing by. Lots of rest stops with good snacks (be sure to stop). The support of people will really carry you through the ride. Stick to basics, then slowly add the frills.