Ride more slowly, so you don't have to change or shower. Remember, the purpose of a bike is to save energy, compared to walking or running. It is a convenience machine.
I don't get this prep stuff. Throw on a coat, hop on the bike, and go. No need to check the weather, because you are going there anyway. I started riding to work because it was EASIER than driving.
If you have to check your bike before each ride, get a new, more robust bike.
If I had to spend 10 minutes getting ready for each ride, I would never, ever, have ridden a bike.