I'm in your age bracket, and started riding my hybrid 4 years ago. I also like it because it reminds me of being a kid. Unless you're going on long rides, you don't need special clothes yet, at least I didn't. I wore (and still wear most of the time) regular sweat pants. If it's cold, I wear long underwear underneath. If I'm going far enough that the creases and seams could be a problem, I've got bike shorts that I wear underneath. It works for me so far, but I'm getting ready to upgrade my bike, probably to a road bike of some sort, and I think I see more cycle-specific clothing in my future.