You just gotta love layers!
I always, always, always wear a tank top under whatever I'm wearing... unless it's a dress. Then over my shirt, sometimes, I wear a plaid and maybe a jacket or hoodie over that. Or a sweater. I like sweaters... They're so comfy.
But, I guess in the summer, I wear a tank top and then only one of the afore mentioned items. I always like the swag feeling of wearing a hoodie with a bathing suit at the beach. =P