I keep toiletries, sport coat and shoes at work. I carry a pannier in which I carry my clothes (also business Casual), and sometimes lunch. I shower and get dressed at work. If shirt and pants are folded carefully, there is rarely a problem with wrinkles. If there is an issue, I put on the sport coat. I also keep a complete change of clothes at work for if/when I forget something, then I have an emergency backup. Have rarely had to use that, but it does come in handy if I forget a belt, underwear or socks.....