Bought my city bike a year or so ago and it's my main mode of transport around the city. I'm fortunate that home and work are close - both to each other and the central city. Don't own any cycling gear other than a helmet and panniers which are fantastic for handbag, laptop, shopping and back up wet weather gear. I bike in work clothes - either skirt or trousers. Apart from the odd disaster of a skirt catching in the brake pads, no major clothing disasters. Providing I don't feel the need to race, I can get around without overheating/stinking - fine merino is pretty accommodating. Wet weather gear is a bright or floral trench coat (added visibility) and overtrou, although I was without both for Saturday afternoon's deluge.