1. These fabrics wick moisture and breathe so well you don't really notice them, and bibs are so much more comfortable they're worth it. They also (at least for me) help keep the HRM strap in place without having to tighten it as much.
2. Take your pick. Cycling cap. Terry headband. Coolmax headband. Headsweats (what I use, and a frequent favorite of the follically challenged). One really bushy eyebrow the entire width of your forehead.
Training: 2002 Fuji Roubaix Pro (105 triple)
Commuting/Daytripping: 2001 Airborne Carpe Diem (Ultegra/XTR, touring wheels)
Commuting/Touring: 2000 Novara Randonee (Sora/Tiagra/LX, fenders, lights)