I wear a jersey because they are comfortable and have less wind resistance, but I'm still a baggy short over spandex guy. Plain jerseys can be found.
I hate riding with a pack, so I have a small saddlebag with a tube, patch kit, multi-tool, tire leavers and co2 inflator. I also have a pump, make sure it can go to high pressures, the mtb ones can't usually. I also have a triangle frame bag for snacks and a light jacket.
Always ride as far to the right as possible, you never know when someone isn't paying attention, or is an angry a-hole with a sad, depressing life.
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