No, but.

Those pockets sure come in handy. Jerseys don't have to be expensive or part of a "kit". they can be pretty plain and fully functional. I usually wear a plain white one in the summer, mainly for visibility, sun protection, and coolness (not looking cool, but to beat the heat). My wind jacket, GPS, arm warmers, hat, assorted snacks and misc end up in the pockets. anything I want to get at while I'm moving. I have several jerseys and my goal is to wear them all out! Nice jerseys can be found on sale costing about the same as a high priced T-shirt. However, I do ride a lot on long warm trips wearing just a wicking or cotton T-shirt depending on the humidity.



In cooler weather a long sleeved heavier jersey is comfortable. The pockets are still full