I find the Terry liner is OK for rides < 20 miles. I also bought a Sugoi liner about 6 years ago (on TE, of course) that fits me really well and I tend to wear that under any skorts or baggies, which I wear when doing errands, casual stuff. I did ride 50 miles on the Cape Cod Rail Trail in a skort, a couple of years ago. Not fast, but still, it was 50 miles.