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If you're going to sit on an exercise bike, smooth, fitted shorts will be the most comfortable exercise clothing item that you can choose. Shirts are more forgiving; you could even wear a classic cotton t-shirt if you are just pedaling easily while reading a book. But choose fitted shorts and you won't end up with chafed thighs from where extra fabric has bunched up on the seat. In addition, if you feel comfortable in a low-waist style of fitted short, you'll reduce the potential for chafing at the waistband that sometimes occurs when you lean forward on a bike for a long period of time.