Thanks Colby and Veronica,
Here's where you can tell that I am new at this.....so you swim/plan to swim in the tops that you mentioned? I guess that means that the drag/opacity of them works in the water. I also looked around and its not so easy to find a tri top without a shelf bra. It seems like it would get in the way if you already have another bra on underneath.

Does anyone else have specific suggestions for bra/top combos that work well in the water and on the run? Or other ideas for what to wear in the water and then change in transition.

Thanks again---this has been really helpful!!!