I can certainly understand being on a budget, but when you get your first really big saddle sore/blister from wearing cut off jeans cycling a century you may change your mind about cycling shorts..... Really, even if you don't want to wear bike shorts I would definitely look for something with less of an aggresive seam than blue jean cutoffs.
I think most of us were probably a bit shy to get into cycling kit when we first started, but the more you ride the more you realize that there are reasons for each of those pieces of clothing. Certainly you can do a century without purchasing any of those things, but you will be more comfortable doing it if you do. You don't have to go out and buy some team kit reproduction, splashed with ads and rainbow colored. You can still be conservative, but padded shorts (even under baggies or baggies with liners if you wish) and materials that wick away sweat (sports t's work fine, but I would miss the pockets) will go a long way towards making your century a more pleasurable experience.





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