I commute about 6 miles each direction in my work clothes. I wear "business attire"...slacks, dress shirt and dress shoes. The climate and terrain is such that I don't perspire at a level that would require a change of clothes. In the winter, I'll add appropriate cold weather coat/gloves. And I generally don't ride in the rain intentionally but do bring rain coat/pants and rubber slipon covers for my shoes in case it does rain. Seems to work pretty well. I have saddle bags for my laptop and lunch etc.