I wear a woven cotton (seer sucker) shirt (inspired by Grant Petersen) and just regular (non-biking) shorts. I bring a pair of pants and underwear to change into. Changing isn't too bad. My shirt dries in about an hour or less and doesn't stink (co-workers have verified). Cotton is not as rotten as people say. It's naturally anti microbial, and woven cotton dries pretty quickly, maybe even quicker than the high tech fabrics. My commute is 7 miles with a challenging hill towards the end.