I don't really get what you're saying. Sounds like you change clothes, thus you and I do about the same amount of work to get ready, though I also pack a breakfast and lunch. All of the other stuff (toiletries and gear) are always loaded in my pannier, thus no "planning" here.
I prepare clothing the night before, either packing bike clothing if I'll cycle in street clothes, or just setting out regular clothes if not.
Once in a while I do the whole 40 mile RT on the bike. That involves a little more planning, but not all that much. Mostly it means setting my alarm earlier.