Ditto on nothing under the straps. If I were riding in cold weather I might consider it, but not in "just a jersey" weather.
As far as brands go, all I have to base any first-hand knowledge on are Bellwethers, and they've been great. I want to try the Falconi Deluxes from L2P, but between lack of funds and continuing shrinking of my body, I can't quite bring myself to pull the trigger on any cycling clothing purchases right now.