Ok Marca, I'm back...
What distance are you racing? Anything less than a HIM I wear a pair of zoot tri shorts under my wetsuit w/ my jog bra. Then in transition I peel off the wetsuit (obviously ) and throw on my jersey. I find that the shorts dry pretty quickly on the bike. Depending on the race- and the pair of running shoes I happen to be wearing at the moment- I occasionaly skip the socks in short events.
Now keep in mind that I race in WARM weather... I have never done a race where I needed arm or leg warmers. The most I've ever worn is toe warmers on my sidi's. But they are T1's, so they have big ol holes in them for air to get into. I must say they are FAB on a hot day though! My feet never overheat.
Once I get off the bike the only thing I grab is a hat for my hair. I run and bike in the same clothes- makes life easy.
Now for a HIM I would wear regular bike shorts and change into tri shorts for the run. I have a friend who wears tri shorts under her wetsuit on the swim, then throws bike shorts over the trishorts, then pulls them off for the run. But I don't know how I'd like wearing two pair of shorts at once. Doesn't seem comfy to me. I would rather take the extra 2 mins to change. Hey, I'm not racing for a Kona slot...
Plus I used to surf so I;m really good at the changing under a towel thing...
Well, hope this helps!
Denise