I'll take the 'fast-light-wet-ass" commute any day rather than putting fenders, racks and other crepe on my Giant.

I've often wanted to ride sans-shirt when we have a hot humid day. I can't figure why more folks don't because it'd be a lot cooler. The only thing that has stopped me is that I would be the only person I've ever seen w/o a shirt on a bike, since I was about 10 years old.