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I mean, I use road jerseys without any issue. The problem is that I've cut them to shreds on stabby bastard things and want something thicker, more durable or maybe shinier, like those motocross style tops so that stabby things tear less. I guess it's not a thing. Time to sew my own...
I guess I could try a phone mount but I really don't like the idea of sticking my Garmin AND phone out where MTBs tend to destroy things.
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I think there are a few base layer options - back in the day there was the overland (Morvelo adjacent) ones that had three rear pockets and two on the front. Downside was it meant wearing bib straps under the base layer which defeated the point for me a bit. Colder days though, normal base - bibs - overland base - mtb jersey is a great combo
Gotcha, decathlon link didn't work for me.
I guess the reason you don't tend to see them is because the weight may shift about too much if in the middle at the rear?