For me it mostly depends on the sweatiness. My direct route is only 4 miles, so in the fall and winter (remember we're in a 4-year drought), if I'm only going to and from work I will just wear my office clothes. I generally won't wear one of my nice suits on the bike. I wear a tie, but I can get away with a blazer most days if I need to be in a meeting. During the summer, I'll wear bibs and a jersey just for the short ride, because I'll be soaked in sweat even after 10 minutes.
This morning I met a buddy for a 25 mile prework training ride. It was cold (for NorCal) so I wore bibs, tights, jersey, windvest. I put my work clothes in a backpack, ride to the office, drop my bag, met my buddy, ride back to the office, and shower and change. On the way home this evening it will probably be 25-30 degrees warmer, so I'll just ride home in my work clothes.
Last edited by caloso; 11-17-15 at 05:26 PM.