The biggest drag for me is changing my clothes to go for a ride.
Hard to get around some of that stuff, for sure. I need my chamois for anything over 10 miles!
But happily I don't use clipless so I wear any shoes I want or happen to be wearing already. I also never wear jeans (with troublesome heavy seams) or long skirts...I'm always in black leggings or capris often with short easy skirts, so I can actually just pull some bike shorts over them if I need a bit of padding.

I always use a tiny Baggellini purse with a diagonal shoulder/chest strap as my normal everyday purse, and I can actually wear that biking if I want or just throw the whole thing into my saddle bag. It's about 3" x 4" and carries everything I need to go out anywhere...even my cell phone slips into a pocket on it.