You don't need to pack it all into a tiny Speedo, or pull on full body armor to go swimming. A comfortable, lightly padded pair of tri shorts is perfect both to train and race in the water, on the bike, and running. The Select Tri Short from Pearl Izumi we tried met all our comfort requirements with light padding, a handy little pocket (for an energy gel), and quality construction that held up for more than a month of thrice-weekly laps in the pool.  [$65; pearlizumi.com]