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I have a chip on my shoulder regards all this partly because we share our weekend and summer weekday training rides with other clubs, teams and (for the summer weekday rides) select randoms. And I'm a bit pissed off at clubmate peeps turning up in their "awesome new Castelli jersey from the wiggle sale"... fucked if I'm riding for them whilst they wear that! :-)
If you can't be pro, look pro, and all that.
Ok, but at some point to own someone else's club kit you're going have to buy it, passing up buying another piece of your own team kit? I'm really not judging, it's all fine, but I can't imagine doing it myself.