I get up an hour before anyone else in the house, I can use that time to make coffee, shower, dress, mostly pack my panniers (among other morning putterings). I leave pants at work; I've taken to hanging my shirts in the laundry room (by where the panniers wind up, and where my bike clothes live). I would like to leave 45 min after that but in practice it takes me another hour, and during that time I eat breakfast, make lunch for myself (final pannier item) and my 5 yr old, pack up his bag for the day, get 2 yr old up, dressed, and either eating or self-entertaining, and get my wife up and coffee'd. During all that time I'm scoping out the weather to decide if I am going to wear rainjacket or not. If not, it's in the pannier 'cause well the weather changes.