So, in the interest of open-mindedness, thought I'd try the "straps-over" look. First impression was that it's not uncomfortable. Sometimes the straps on my bibs can dig in and the jersey served as extra padding. Hmmm. Maybe this won't be so bad.

Then I decided to put a a few (normal) things in my jersey pockets. Bah! Everything sort of dug into my back! No wonder the OP uses a fanny pack.

Sorry, this technique is a loser.