Good stuff here. My only comment is that women are not the only ones who have to deal with people who want to compete on social rides and other petty stuff. I mean things like not letting someone pass or whatever go both ways - it's an equal opportunity pain in the ass.
As for how you dress, quite honestly I don't think whether you choose to go with a shirt or just a sports bra will matter much to most guys whose response is worth worrying about. Some guys are neanderthals and will always see women as objects to be clubbed and dragged back to the cave and how you dress won't matter to those clowns. For the rest of us, your actions and attitude are way more important than how you dress. We will either see you as a potential riding buddy or a potential date - or, if the stars align, both.
As for how you dress, quite honestly I don't think whether you choose to go with a shirt or just a sports bra will matter much to most guys whose response is worth worrying about. Some guys are neanderthals and will always see women as objects to be clubbed and dragged back to the cave and how you dress won't matter to those clowns. For the rest of us, your actions and attitude are way more important than how you dress. We will either see you as a potential riding buddy or a potential date - or, if the stars align, both.