Thanks. By "wearing actual cycling clothes for my commute", I basically just mean cycling shorts. Depending on weather and mood, I'll wear my Club Ride shorts or leggings over them. I have all this stuff already, but haven't been busting it out for just commute riding. In the past, I was self-conscious about wearing Spandex stuff in public, but I've gotten over it. I haven't been doing it for my commute ride because it seems excessive to gear up for such a short ride, but we are talking about approximately an hour a day on the bike, and my discomfort issues are cumulative.
At my current weight, there's a lot of soft tissue interference. When I ride in jeans, I arrive at my destination daydreaming about how awesome it would be to have a thigh gap. Even at my target weight, though, I don't think that's in the cards for me. Rockin' proper shorts should make a big difference - I might even do the bib shorts and just commit up front to changing all clothes before and after the ride.