Ok, I 'm trying to understand...what you mean is that you are not commuting to work and changing into work clothes, then changing into biking clothes to ride home from work...right?
What you do mean is cute clothes that you can wear while riding your bike everywhere, and that would be comfortable to ride in but still cute and acceptable off the bike, right?
That allows a different type of answer, since we are not really talking about only commuting to work and back now.
To me what works for everyday on/off bike activities is wearing capri leggings or tights (with a lightweight chamois pad if I'm riding longer than 10 miles), with a cute short skirt and then any kind of tops I need for the weather. I tend to like thin merino wool tops- they breathe yet keep me warm and don't get sweaty or stinky. i don't ride in heavy rain if I can avoid it. Wool works well in drizzle however, as it dries quickly and doesn't get cold when wet. You can often find great bargains in quality wool items at the Salvation Army or Goodwill...just read the labels.
As examples (and keep in mind that I'm 54, not as young as you by a long shot), here is a Terry Spinnaker capri with light chamois pad (intended for spin classes, which I don't do) with a Sheila Moon skirt and bolero over a SmartWool base layer top:
example 1
And here is a warmer outfit of short skirt with warm winter biking tights and a merino wool zip top over wool base layer:
example 2
So, for me if I want to look 'cute' i just wear a short skirt over whatever black biking shorts/capris/leggings I want, and I wear whatever tops I want with that. I do often wear screaming yellow vest however, or some bright color in traffic.
It's just my own thing.
In general, if you don't like the look of Lycra biking gear, you should just avoid it! Some people find it uncomfortable to ride on jean seams, however.
One problem is that most of the cheap biking gear is often not the most stylish. Sometimes we can make a stylish outfit just by combining non-stylish things in a cool way though. Try striped knee socks, or a kooky thrift store striped wool vest, for instance...instant stylin' outfit. But you probably know that anyway.
Don't forget your helmet...they don't sell used brains in thrift stores.![]()





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