I turn in what I'm standing in. T-shirt, regular, makes no difference, though if it has pockets, you might want to check to see if they're buttoned. I don't get shavings much above the xiphoid if I remember to clear when taking out the interior of a bowl. Sometimes I forget and the shavings carry around the bottom a bit on a steeper side, tossing the odd shaving up into the air where it can land on my hair. Takes only a bit of practice to turn your gouge so the shavings are ejected down and away from yourself. Additional benefit is that if you're not lifting shavings with the tool, you're not catching or lifting and fuzzing the endgrain.
Even a roughing pull cut can be redirected fairly easily as you see here.
http://s108.photobucket.com/albums/n28/MichaelMouse/?action=view¤t=HollowTwo001.flv If I clear the heap building under the piece, I can keep my shirt almost clean. Gaposis of the pant pockets can pose a problem, however. If you need a tight neck, get a barber type smock at your local uniform shop and sew the pockets shut. Low pockets will collect, and one or two curls caught in the wife's bra while doing the laundry will bring down the wrath.