I tend to wear the same thing both on and off my bike....my everyday wear is black leggings or capris (often with a swingy short skirt), comfy street shoes or hiking boots, lightweight merino or cotton tops (not 'jerseys') wool vests or jackets. The only difference is that when I'm on my bike I add biking gloves and helmet and often a neon yellow hi-vis vest or tank top over my layers to be better seen by cars.
Thus, I never have to 'change my clothes' to get on my bike. I'm always 'ready for action' for a quick bike trip into town or a fitness walk between work jobs and chores.

And right this minute I'm wearing my best chamois Shebeest long distance shorts under my skirt to attend the 4 full length movies I'm going to see today at our town's annual film festival- DH and I look forward to the film fest all year...I watch 12 movies in 4 days, and i've found my secret weapon to be my best biking shorts which making sitting for hours way more comfy- plus they raise me up an extra 1/4" in the movie seat which is an advantage too!

I never wear high heels, either on or off a bike. Stylin' clothes have to be functional for me, or I can't be bothered with them.

For me the line between clothes for every day wear, fitness walking, and biking is almost non-existent. (Of course it certainly helps to be self-employed, so I don't have to conform to office wear)