I have one or two towels hanging off my floor pump that I keep next to me. I also cycle through 3 thin headbands (Temple Tape), draping the damp ones on my bars to catch wind from my front fan to dry. I don't wear a jersey, just a baselayer under bibs. No way I could stand more layers. As it is, I'll use a second fan to dry my back, and even bust out the portable AC on the occasional muggy day.