I wear Mt. Borah shorts on my trike. Since they have zippered pockets nothing falls out. Plus I can tighten up the cords on the bottom of them so they don't balloon. As far as my top goes, it's something that will wick moisture away. Motorists see me. I'd don't anything special except in failing light I use my taillight.
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"The difference between genius and stupidity is that genius has its limits."
-- Albert Einstein