I am still paranoid about how I look in riding clothes, but padded lycra shorts and wicking fabrics make me so much more comfortable, that I can convince myself to be seen in public in them. I also sweat just thinking about it, so wicking is critical. I have the Terry shorts, and I like them, but I also have several pair that are much cheaper from http://www.aerotechdesigns.com that I like better because the lycra is actually a little stiffer and holds everything in place a little better. On cooler days I wear a regular cotton t-shirt that comes just to the bottom of my stomach, but not past the crotch so it doesn't catch the nose of the saddle. I also have the Borah Plus Micro Jersey for very warm days because it's very lightweight and cool. And, I tell myself that at least I'm a fat person geting some exercise and if someone doesn't like how I look, they can buy a porn magazine and look at the pictures of "real" women in there (Hah!). Wear what you are comfortable in and enjoy the riding. Anyone and everyone looks good on a bike!!