I normally ride in leggings and a tank. But, for the outside classes, I've been starting with a sweat-wicking long sleeved shirt (something like this) until I'm warmed up. Usually takes 3-4 songs before I start stripping, lol! I got a bunch of these tops at TJ Maxx for about $10 in fun colors (hello neon pink!!) so you don't have to break the bank. Long socks also help, my toes get cold out there!