I use the Camelbak Flash-flo waistpack. I never even notice it's on, and it gets plenty hot here in the summer in NC. It doesn't hold as much water as the shoulder packs, but it's fine for the shorter rides I do. I find that the bottle gets too dirty on my mtb to be of any use anyway, so I never use one. If I were taking a really long ride (> 1.5 hours of riding), I would need to use a bottle along with the Flash-flo, though.
Emily
2011 Jamis Dakar XC "Toto" - Selle Italia Ldy Gel Flow
2007 Trek Pilot 5.0 WSD "Gloria" - Selle Italia Diva Gel Flow
2004 Bike Friday Petite Pocket Crusoe - Selle Italia Diva Gel Flow