Even when it's 90 degrees F with 100% humidity, I wear short sleeved jerseys ..or as described elsewhere, I've worn loose long sleeves.

And some shorts have a short inseam. Others do not.

I've never been tempted to wear tank top or go sleeveless, while cycling (though I will off-bike or go sleeveless), it's primarily for skin protection across other unexposed areas.

I just feel sorry to see women around my age, whose skin around their chest, etc....is darkened and hardened already. My lower leg skin does have a icthomyosis...where the skin has become dried and shiny over the years. Despite slathering on 50 SPF sunscreen/block. So I know...

After seeing dermatologist a few wks. ago who confirmed for now, I don't have anything malignant, but still need to take care, I have less incentive to show more skin while cycling.