For a while I wore a pair of hiking shorts and a t-shirt. Then, I added a t-shirt for the UV protection. Then, after the seams hurt too much, I bought a pair of MTB baggies with a spandex padded liner. I also bought, recently, a wicking MTB jersey. I have clipless pedals so I wear MTB shoes. Now that it's colder I'm wearing a thermal shirt under a jersey to keep me warm and still wick the sweat off.