Yes, I did try wearing the bib with a jersey. The bib I borrowed to try out was one that was for my build. It felt OK and was fairly comfortable while standing or walking and the problem didn't start until I started riding. It was especially irritating when riding my hoods. It just felt as if the straps were constantly pulling my shoulders toward my waist.

As for base-layers, summers in Florida are miserable without having to add more layers. In the middle of summer, I normally ride with a stay-dry tank top and at times, even that is too hot. Unlike most other areas, we have a warm climate for most of the year. Currently, it's 73º here in Tampa and is suppose to go into the upper 70's, low 80's later in the day; and it's the middle of December.

All the other discussions I have read about bibs all have the same outcome; either you love them or you hate them. Right now, I am in between and still have not ruled them completely out. However, with the experience I had, they aren't exactly what I had expected according to all that I have read about them.