Here's another vote for long trousers while out walking, too much of a wimp to chance it with midgies, ticks or any other form of sharp toothed little horrors, or even a nasty suck!
The last couple of days I had cotton T shirts on for the top bit and they got soaked. It didn't half chill me once the sweat soaked it brrr! Today I put a wicking one on, well, I still got sweaty and the top got wet but funnily enough, it didn't feel chilly. Chilly's to strong a word but wet cotton definitely would be bad news in cooler/cold weather.