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 don't 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 don't know what i'd do if I had to ride in it, I don't like wearing shorts and stuff when I ride.