Nowadays you don't have to be in fancy cycling jersey to ride. I have lots of jerseys I spend $60 - $100 dollars for but I love my $20 sports shirts just as much! If I get bike chain grease on one, no problem.
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Ross Dress for Less. Check 'em out.
On occasion I can find shoes to fit (15), but often I can find their wicking golf shirts in 2x. Have one each in red, yellow and orange - all for about $9. Have yet to break out a jersey this summer. When you have a certain amount of "form", form-fitting is not a good idea. Loose fit, better air circulation.