Abstract: A multi-layer protective fabric includes an inner layer, an middle layer, and an outer wicking layer. The outer fabric layer includes an inside layer of hydrophobic material, an outside layer of hydrophilic material, and an intermediate layer of hydrophobic monofilament yarns extending between and knitted together with the outside and inside layers, and promotes wicking of moisture from a wearer's skin to the outer layer. The multi-layer protective fabric middle layer includes a porous, cushioning material. The multi-layer protective fabric inner layer includes a cushioning, abrasion-resistant material, such as doeskin. Articles of apparel, for example cycling shorts, can include such a multi-layer protective fabric either alone or in combination with other moisture-managing, cushioning fabrics. Such protective fabric and apparel systems provide improved removal of moisture from skin, reduction of contact stress, and decrease in abrasion.