Ahab made me hang Val's picture in his stall. What a beauty!
Everybody is so different, and obviously, what works for one may not work well for another. I've ridden in bathing suits and in long skirts, in jeans, and jeans with chaps, and in breeches with riding boots or half chaps. Many is the bloody knee I've gotten when riding in jeans or shorts, not to mention rows of bruises all down my calves from getting pinched in the leathers. I like riding in jeans and that is my preferred attire if I am out in public. But, if I am really working on something with an instructor, I ride in breeches. For me, breeches make an appreciable difference in my riding.