When I started riding I thought about wearing lycra, looked on
Ebay a bit, and laughed at the "padded cycling shorts" thinking im not paying good money for them when iv got more than enough padding of my own

However, once my rides became longer than about 5 miles I had to have a serious re think as I realised jeans are too painful

and I cant be doing with anything baggy flapping about.
I now always wear lycra shorts or leggings,or my jodpurs.Not confident enough to become a full lycra-lout just yet as I feel I might resemble an overstuffed sock,

so wear a tshirt and/or fleece but try to keep the top half tightish too.