All so true.

The fact is, the clothes I wear for cool weather biking (good quality wool stuff, leggings, boots, wool socks, base layers, vests, neck gaiter, gloves....) is (except for the chamois items and the hi-vis yellow safety items) all stuff that I just wear every day anyway! I often go for cold walks during my day, or out into the cold for errands, etc. It's all comfy breathable clothing that looks nice on me for everyday wear. It looks sporty, but not in a weird way. It certainly is not all skin tight lycra plastered with Tour De France or Lucky Charms logos. Looks more like stuff you might go cross country skiing or hiking in or sipping hot cocoa in or something.
Interestingly, I used to wear black leggings and stretch capris for years even before I got into biking, so the change was not dramatic. I'm just an aging beatnik.