True, but some of use don't wear cycling clothes..I ride in street clothes, even when riding with others for fun on the weekends...so no cost there other than accelrated wear ont eh groin of my pants....but that's not more than maybe $50-100 a year in new pants/jeans/shorts as a result.

Maintenance...a few rolls of paper towels, a few shop rags, a bucket, dish soap, and lube...not much at all for a year. Add in a few tubes and a pair of tires and it's about $100-150.

Accessories....depends on the person...I just have a large Timbuk2 bag, and a nice light assortment....my helmet and lights were covered on my price to begin post in this thread.

It is true though that it adds about 50% to the cost of a beginner's commuter setup. But as you go to bigger and cooler bikes, the cost is still about the same unless you go weight weenie...but that is the total opposite of a daily driver...that would be like driving a McLaren F1 to work everyday.