As for baggy T shirts being uncomfortable "really"
I actually find the flapping about in the wind more pleasurable than being trussed up in something that doesn't allow for any air flow,
But having not worn lycra you're entirely ill informed to comment on it... I like my Golf, I've driven it long distances, and I once broke the speed limit in it. Therefore it is infinitely better than the McLaren P1 I've never driven
There's vastly more air flow through a decent jersey, which also doesn't have seams that chafe and doesn't billow around, and includes things like a zip to increase air flow if you wish, doesn't get saturated with sweat and has pockets to keep stuff in.
So yes, your irrelevant views are because you're thick. At least you're good enough to acknowledge that.