Shirtless guys riding a bike or jogging when its hot out, hot or not?

Or does it depend on the guy's body? If he is in good shape but a bit chubby, would you rather him have a shirt on? I realize that when I have a shirt on, its so hard to see any noticeable fat unlike when its off.
Shirtless guys riding a bike or jogging when its hot out, hot or not?
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