Burkbuilds, you're not an idiot with gear choices. I'm in SC and it does get mighty hot and humid down here. I wear my mesh jack as far into the hot weather as I can and then, like you, I switch to a t-shrit. I wear the full face helmet until I can't take it anymore and switch to the 3/4. It sure beats the guys I see with no shirt, shorts and sandals. It's the choices some of us make. Get well my friend and I'll add you to my prayers.
