They don't have to though ... mine looks moderately fancy but is really just a collection of used or discounted parts I scraped together over the last 20 years ... I have two jerseys, both bought when they were on sale, one is probably 15 years old ...
New shorts every once in a while because they wear out, the cheap ones work fine for me ...
So I still look like a MAMIL but in reality it's a fairly low-budget hobby ...
I mean ... it's mostly functional but in times when I'm in decent shape (which fluctuates) in a way I like the look of a well-fitted jersey 🫣 😅 ... bibs and helmets always look kinda awkward though ...