Now I understand. Once rode in a group where one lady wore those leggings because she couldn’t find fitting outerwear.

My take: I’d stick to my textiles. They’re reflective, have the pockets and adjusting straps or zippers. You can often open up flaps or add stuff to make them as airy or waterproof as you want.

I’d rather have separate layers that can slide against each other to ease the friction and bumps and not transfer it straight to the skin.

Wearing AAA outers and inners is overkill and I can imagine uncomfortable.