I have a winter cycling suit for cold weather with padded pants. But the last time I used a bike to commute (which was nearly 50 years ago), I wore a coat and tie, with long pants, to work. It was a short commute of about three miles--a bit long to walk but just as fast on a bike as it would have been in a car. I had a "ten speed" with a rack on the back to carry my briefcase. And I wore long pants to go with my coat and tie.