Thank you all for your thoughts!

I got hold of a TYR tri top (sports bra style). I will wear that with my tri shorts for the swim, then throw on a jersey after the swim. If it takes a little longer in T1, that's ok. I'm not thrilled with my midsection being exposed, but oh well. It's not gonna kill me!

I'll do a few runs wearing the tri top as a bra to see if I'll need to put on an extra layer after swimming. Hopefully it will be enough.

Wish me luck - this tri is to celebrate my 30th birthday - I want to do something to set the tone for my next 30 years.