Me as well, and I wear these a lot. I really don't understand the snobbishness on this forum about wearing t-shirts underneath things.
I've seen several RL ads in the past with men wearing button down shirts and ties underneath their rugby's (with the ties loosened, very disheveled, etc.)
I like that look, but I would feel highly affected wearing it:
"Hey chaps, since class just got out let's toss on some rugbys and play a match on the green!"