Today at about 5:30pm some guy was riding down Soth Granville wearing his gear and had a chick on the back wearing shorts and a tank top.
Buddy if you're reading this, if you're such a stud, do 1 of 2 things.
1) Buy her gear
2) give her yours
I love (note the sarcasm) riders who take such precaution for themselves but don't give a shit about their passengers.