Look at theblackbibs.com for bibs. IME they're good shorts at a good price.

If I didn't have a stack of them already, I'd skip cycling jerseys and see if you can find some inexpensive technical t-shirts. Brighter colors are better. [rant] I don't know why cyclists want to wear dull or even camo to ride on the road -- I want to be seen! [end rant]