I typically wear my work clothes when I'm riding about a mile from the train to my office. But I kept getting chain grease and stuff on white pants, for example. When I ride the 3 miles to the train station, I wear workout type clothing but not bibs. I do tend to shower on these days but maybe not once it gets colder. With my commute only being about 4 miles each way, I don't have too much chafing going on but it really depends on the pants. Sometimes I even wear a dress while riding.