Depends on how you ride. I spend the $$ for the best kit and chamois I can buy, pro level if possible (just not pro 'race fit'!). The tight-fitting jersey doesn't flap around, and it's contact with skin helps wick sweat away and provide excellent cooling in my hot & humid climate. The Chamois, combined with the right saddle (it takes a while to find it) really helps for longer rides - or even shorter but frequent rides. I have a really hard saddle I think that would be miserable without a chamois. But that's just what works for me - I still kit up like I did when I was younger and riding a lot more