All my touring ( 3 month stint in NZ and two 2 month tours in USA and Europe and various shorter tours) and my 2 years messengering in London I wore totally regular clothes - cotton or denim shorts and cotton shirts (with associated rain-gear as necessary). No helmet - it was the late 70's-early 80's and nothing was going to happen to any of us!
Only started wearing lycra padded shorts after I had had the babies. I wear thin nylon running-type shorts over them as I feel naked otherwise. Tops I wear sporty wicking-fabric shirts. On my feet boring running shoes with a stiff sole.
Money, you know. If I had more I would buy more. Also I live in a very small place outside a small town and do not buy on the internet for various good reasons (like I'm scared it might lead to needing "plastic surgery" , lol!)