I too am a warm weather cyclist. Nebr winters are too cold to ride as far as I am concerned. In fact if I have a choice, I only ride when the temp is above 65. I only like to ride in shorts only. If there is a club function, I sometimes put on my tight and ride but I really dont like to. T-shirts and my rugby shorts are the way I like to ride. Since I ride a bent, I dont need the expensive clothes to protect me from my bike.