Is wearing cycling jersey embarrassing because I’ve got a little “spare tire” around my waist?
Don’t worry about it. Wear the jersey if you like it and if you appreciate the benefits that it gives. Take a look around at other cyclists on group rides….there are PLENTY of people with spare tires or worse! 
)
The important thing is that you’re out there exercising and doing something you enjoy…screw what other people think!
How to Buy Cyclist Clothing : How to Find the Proper Fit for a Cycling Jersey