Not sure what you're getting at here
Are you talking about "too much skin" in the upper half - chest, cleavage, arms? -- or in the legs?
Or are you talking about form-fitting lycra shorts?
There are a lot of ways you can cover yourself up while cycling, what is appropriate is what you're comfortable with.
Check out the TE online catalog for things like boleros and wrap skirts.
Why exactly did you think that woman was over-exposed? Did you feel she was dressed inappropriately for the weather, or otherwise?
Sorry, I'm a crummy mind-reader...






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