From Sept - May I ride in regular clothes and don't change at work. From June - Aug we have casual dress at work and I change my t-shirt.
Dutch Bike Co used to have promotional videos on their site, and I remember the one clip where the owners said "If you ride your bike and sweat ... you're going too fast". Which really struck me as true. How many of us walk to the store, train etc and have to change clothes (of course if you run to the store, you may have to do that).