The best advice is from Liquified and I'm sorry I didn't say that because that's what I do. I wear my bib shorts with a pair of tight cotton walking shorts over them. I say tight because if the shorts are loose, the crotch will catch on the saddle nose when getting off, on, unclipping and putting your foot down, in "emergencies". For a shirt, I wear either a short sleeve cotton shirt or a synthetic athletic shirt, if the shirt is long sleeve, I wear a rugby shirt, really durable and a very heavy material.