A multi-ply fabric is disclosed. The fabric has a top
yarn arranged to face an
atmosphere and a bottom
yarn connected to the top
yarn, arranged to contact a surface of a user's body. The filament count (F) of the bottom yarn is less than the filament count of the top yarn, and thereby the bottom yarn has a
surface area to volume ratio (SA:V) that is at least about 25% less than the SA:V of the top yarn.