Occasionally, I will wear a bra top if I'm riding by myself (it just feels nice to have the sun on my skin) , but not when riding with others. Then I prefer more coverage. My issue (let's get personal) is the "pencil erasers" on my chest. Nothing but the thickest running bra will keep them covered, and I'm terribly self conscious about them. It's hard b/c I don't want to have to wear one of my "bulletproof" sports bras (usually reserved for running) under my jersey. I prefer to wear a lighter cooler bra, but the pencil erasers poke through, and it drives me nuts.

And after seeing the tan lines on my legs yesterday, I'm all for shorter shorts, but then again, more to be worn on solo rides than group rides.