Welcome to TE!
I typically only ride in moisture-wicking material now. I even work out in moisture-wicking material instead of cotton now since being introduced to it while cycling.
Since my commute is 15-16 miles in one direction and I have to dress business professional for work, I wear the full get-up: lycra with padding and if not a cycling jersey definitely the moisture-wicking shirts. I am lucky in that I have showers at work.
The Townie is a great bike and hope you're enjoying your Basil panniers!



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