Most of my warm weather bike clothing now comes from the Danskin Now exercise clothing line that I found at Wal-mart. Some good hi-viz colors for jogging and biking and way, way cheaper than dedicated bike clothing, but same correct materials and design. Not sure if the sizing will work for you, but worth taking a look. I know the tops, at least, go up to 2XL, a size I sometimes use as an outer layer over my other clothes in cool weather, because they do make them in a reflective material.
(Winter biking, though, takes some very specialized winter bike clothing, though cross country ski clothing also works well. I do both. Normal winter wear just doesn't do well. Whole different and (expensive) ball game for bike clothing.)
As for form fit, yes, semi-fitted or form fitting clothing is good for biking - reduces bulk and wind resistance and so on. On the other hand, if the clothing binds or is uncomfy, that will work against your riding. Trim is good, but not if it binds or restricts movement. If you're just getting into biking, I'd err on the side of comfort, for now.
One item, though, for which there is no substitute is padded biking shorts. Must have item. Same for a helmet. Head to a good bike shop for these. I never ride without either. No exceptions. In winter, the bike shorts go over whatever leggings I'm wearing, the helmet over various caps.



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