Baggies/club fit for me. Plain T if errand bike with pannier. In my case it's a hobby, not a sport, I'm not going to fret over micro losses in aero efficiency. I rarely look at the models. I typically by blind based on past experience, if it works I ride that horse it until no longer offered. My bigger annoyance with clothing at large is trends change way to quickly. It seems there would be some value in catering to loyal followers rather than changing so I go to brand B, who changes so I go to brand C, who changes so I go to brand D. Maybe I'm a rarity in finding something I like and wanting to repurchase same forever as old wears. Just the right shoes not being available the next or second year is the worst. All things being near equal I buy the thing with the smallest, least noticeable logo. No logo is golden.