Knickers (below-the-knee shorts) would be ideal. If anyone could recommend a brand for these, I would like to know too.

Be very careful with the spray. It isn't particularly effective, and is an inhalation risk. Zinc oxide cream will work the best, but makes a mess of everything.

I've come to the conclusion that physical barriers are the best. I always use long-sleave jerseys and one of these under my helmet: