I prefer to commute by bike wearing regular clothes that I already own and wear every day to include 100% polyester T-shirts that stay quite comfortable while riding if wet from sweat or rain that gets past my poncho and non-bicycle-specific outerwear. I do change to clean dry underwear at the end of a commuting trip if wet from sweat or rain, and/or at the end of the day. Carrying a change of underwear on my commuting bicycle, and washing clothes in the washing machine is not that big a problem for me. My regular clothes and laundry routine may not work well for back country ski tours, but then this is not the back country skiing forum.