I commute and wear moisture-wicking black golf shorts with a belt. The pockets come in handy for holding my gloves, and I carry my keys in my left front pocket, tethered to a belt loop. I wear a belt-mounted holster for my phone. I know this sounds like a major chafing operation, but I have done 6 hours with no problems.
I also wear a slightly loose moisture-wicking hi-vis athletic jersey (non-bike specific).
In the summer I add a neck-gaiter/shade and sun-sleeves. In the winter I add layers as needed.
"Hello, ladies!"