I commute in my work clothes. Not fancy, but I try not to look too terrible. I guess you could call it 'office casual' with emphasis on the casual part.
Every morning I ride 7 miles on my folding bike, fold it up, carry it down the stairs in the train station and up the stairs on the train (double decker). Repeat in inverse when I get to the city, ride another few miles, then wheel the bike into my office.
Then in the evening I do the same thing, the other way around, not much different but the train station is very crowded, especially on the stairs/escalator from the station lobby down to the platform.
Of course I try not to get bike lubricant on my clothes. But it happens, no way around it. So what I want is something that will work okay as a lubricant and will wash out really well. I don't mind if it's not a great lubricant, as long as it prevents rust etc. I don't mind replacing my chain more frequently; a chain is cheaper than a pair of pants.