I'm even worse -- I'm a trackie who really only rides my road and mountain bikes to lose weight -- lots of Zone 2 riding (zone 2 is anything around 130 bpm heart rate --- most would call this a "leisurely pace" )
-- my real workouts happen on the track bike or in the gym

That said, I don't particularly feel a need to "kit up" just to ride my road bike around the local lake roads at 14 mph or trundle along in the woods on my MTB at 6 or 7 mph --

I do just as well in baggy cargo shorts (with a chamois liner) and a t shirt for that type of riding --- yes, I have a HR monitor, but passersby would never know its not just an ordinary digital casio watch

So I am an overweight , but still aggro, trackie who prefers to disguise himself as a Fred. -