I love my Terry's wrapper which is the skirt without the short. I only use it for my errands and tooling around town. I find that the liner short is always huge compared to the supplex skirt. Plus, I can always take off the skirt and tuck it in my bag, jersey or whatever.

Just FYI about the Terry wrapper, the current model runs a tad on the small side.

It also provides some modesty for changing in the parking lot post ride.