I don't generally find this a big deal but I am also a windsurfer who has had to change into a wet or dry suit outside while standing in howling wind. You get very fast at doing it!
Changing like this can be really easy if you use a towel, jacket or even a blanket as an external cover as you change.
My gear rides on the bike virtually non-stop. So far it's been this way for over 11 tours without a problem. I do cover the bike with a Silnylon tarp in areas where people might be more tempted. The tarp is the same colour as the hammock so the bike tends to be much less visible in that circumstance.
~Jamie N
www.bicycletouring101.com