No way in hell im wearing regular clothes when commuting. Clothes do matter to a degree, and that degree is comfort. I would hate cruising along with my clothes acting as an air-brake slowing me down. Now I don't wear a full road "kit" commuting, just semi loose fitting athletic apparel works great for me. Also going commando helps big time in comfort and staying cool. Also you're underwear doesn't smell like sweaty balls when you get to work. haha