If I am riding less than 25 miles, I wear what ever I'll be comfortable going into a store in. Over 25 miles, I wear padded shorts either alone or under a skirt.

I usually wear technical fabric on top in the summer as its usually 90 degrees by 10 a.m. here. I don't wear jerseys anymore unless I am on an organized ride as bicycling and cycling really does not require that much technical gear.

I do wear gloves, I wear an improvised sun hat/helmet combo, I wear sunglasses, and I wear Keene cycling sandals as I ride a heavy bike and need to be clipped in to be the slightest bit efficient.

As far as jerseys, padded shorts, etc., it depends on where and why I am cycling on any given day. I use my bike(s) primarily for transportation rather than sport or exercise or fun (although I have fun, get exercise and like to go really fast when I can!)