I have 3 variations:
1) just running casual errands on utility commuter bike. Jump on bike with what ever I have on, but no flipflops
2) commuting (5 miles one way) on utility commuter bike. put on my shimano... touring/light moutain bike spd shoes and use the clipless side of my pedals.
3) Riding my road bike...put on my road shoes (performance brand...nothing super special)
YMMV, but for me clipless are far more efficient when going longer distance (partially because of using stiff shoes).
An option is to get the two sided SPD pedals and the mountain/bike tour type shoes. You can start out without using the cips and flip over and use them as you get comforatable. I find the spd clips are the easiest to use of the ones i have used (spd, Look style and speedplay)
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Life is too short not to ride the best bike you have, as much as you can
(looking for Torpado Super light frame/fork or for Raleigh International frame fork 58cm)