Another thread got me thinking about putting on clothes that are still damp from the morning ride. Yech! For the most part, I can get my stuff dry between commutes. But every so often (rain in the morning, fog and high humidity, AC not working), my biking clothes stay damp from morning to evening. I miss my hand-me-down 21" CRT from the secretary on those days.

What is the worst part of getting dressed for your evening commute on those days? Jersey? Shorts? Socks? or something else?