I've never really considered my morning prep time to be different. The biggest morning time suck I found was shoe covers and unlocking the bike and getting it out the gate in the fence with a full load of panniers and kid. Also gearing up with my lights and computer after work was the thing I disliked about the winter. I've always hated the extra time needed for shoe covers and lights in the winter; I wished I could just get on it and go.

I find going home is where biking loses as far as prep time goes. I have to change out of my work clothes and get into the bike gear, then reapply gear to the bike. But traffic home is always worse so it is still a win, I tended to pass most co-workers on the line up for the bridge anyway.

In the morning if don't shower at home I then do it at work.

If I drive when I get home I tend to change clothes anyway, so getting back home is no different than the bike.

I never really worried about packing time for clothes. I had a good routine where every about three weeks I'd bring my stash of four or five pants and seven or eight shirts home from work and wash and iron and slowly return them to work for a few more weeks of wear. I would bring undergarments to work and back in a drybag every day. If I took the bus, my likely option when not riding, I tended to change at work anyway so that prep time was similar, just the bus took an hour and twenty minutes on the old route and I never took it on the new route.

I had a spread sheet with costs somewhere but I've not given it much thought in the last nine months. I always kept meticulous records for the car repairs, fuel, mileage, and driving and weather conditions. I always saved all my cycling receipts and started tallying them last winter. Other than brake pads and cables most of my gear lasted multiple years.

In total I am convinced I save time cycling since I'd need to workout and decompress when I got home if I didn't ride.

I just need to convince my wife to let me ride again someday.