I race in a sport bra and tri shorts. When the swim is nonwetsuit, I wear a swimsuit over it. mmm-mmm-Momo Charms Handmade beverage charms, jewelry, and miscellanea http://momocharms.wordpress.com
I'm a fan of both Zoot and DeSoto tri tops. There will be some drag involved with any two piece outfit, but it's minimal if it fits snug like it should.