Then I wonder how many women who bike for transportation within their own city, do it in Europe? They have the same lifestyle as yours....? and bike in their ordinary clothing/business wear.

This is why I'm not interested in cycling in dressier clothing (ie. dress, skirt, etc.). It's clothing that's either cycling wear or very casual wear (ie. walking shorts). For latter, then I don't feel I've ruined a great top/pair dress pants so quickly for the washing machine.