I still wear joddies, sometimes half chaps, and a tshirt or singlet top or whatever. If im just mucking around, trail ride or something, its the same only without the chaps.
Though, where i live it never really gets very hot so i dont have much of a problem wearing that stuff, especially if i ride in the cooler parts of the day.
Last year I was over at the coast visiting relos. Was so hot, and i love the heat but i dont know what i'd do if i had to ride in it, i dont like wearing shorts and stuff when i ride.