I second the terry wrapper skorts. They fold up really small and wrap over your normal bike shorts. I have a commuter skort, but the chamois is very thin and sometimes the skirt gets in the way, so I prefer my regular bike shorts with a wrapper skort for those places you don't want to show up at in bike clothes. I also have jerseys that match the skirts and look sporty, but not like normal bike jerseys. Another idea are mountain bike shorts that look more like everyday shorts than bike shorts.