for commuting it depends on the temps. Right now it's cold so I wear a t shirt plus a long sleeve or two, plus a windbreaker. Lycra padded shorts under lycra pants so I don't have to mess with the cuff. mtn. bike shoes or tennis shoes depending on my pedals. full padded gloves. lycra head wrap under my helmet. In the spring I commute in my work pants, cuffs rolled up, t -shirt or bike jersey if it's hot. Summer = shorts and bike jersey. I have a wool cinzano jersey that I've yet to wear on a nice weekend ride, I also have a cimbali jersey I wear occasionally, and a cinelli.