I'm lucky to have a closet at work stocked with clothes and toiletries.
I still have a bag full most days. I swapped to backpack in spring summer just to be able to ride it non-commuting on the weekends but now that winter is here and clothes are bulkier I'm going to put the rack, bag and fenders back on. I do like the feeling of no bag on my back, I sweat too easily to cover up too much.