No spandex here, either. As a clydesdale, I don't want to frighten the women and children. ("Look at that pregnant old guy on the bike, mommy!")
I tried one pair of bike shorts, saw no noticable difference and gave up. I typically wear basketball shorts over my jockeys. No chafing yet! Speaking of Target, got a great price on some really ugly but bright orange tee-shirts the other day.
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2015 Sirrus Elite
Proud member of the original Club Tombay