My normal lunch hour ride in and around Hackensack, NJ consists of mostly flat terrain with some small hills thrown in the mix. Typical work wear is a pair of jeans and a t-shirt or SS (that'd be Short Sleeve) button down. My typical riding clothes consists of a t-shirt with wicking capabilities matched with a pair of camo cargo shorts. Since I only have about 45 minutes of my lunch hour as riding time, I try to ride far, fast and hard, resulting in a profusely sweating me. Thus the wicking shirt. Don't want to smell too bad at work. Luckily I take my lunch late in the day and usually arrive back when folks are leaving to go home. Haven't really had any "beat-down" looks yet while riding...just your average "why the fock would you be riding a bicycle when you could be riding in a beautifully crafted bling bling Beemer like mine?"
Besides, with my belly, if I wore full on page 12 of the latest roadie catalog, I'd look like a bratwurst sausage on the BBQ just about ready to burst its juicyness.