Outfit #50: Summer Lights

So, on my way home from work today, riding my bike, some lady yells out her car window at me: "Hey! I can see your underwear!" I can guarantee that she could not see my underwear because I was wearing bike shorts under my skirt. I didn't feel like she yelled at me out of her car window in order to save me from embarrassment.  Was i showing too much thigh for her liking? Is my biking in a skirt that visually offensive? Should I just wear tights all summer?

Top: Value Village
Skirt: Club Monaco
Shoes: Sperry Topsider (They're new. Aren't they cute?)