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Yeah, my cutoff is about five miles. For a while I rode fifteen miles a day in jeans & a jumper & it wasn't very fun - clothes wore out very quickly & I couldn't go for a faster ride if I wanted. Now seven miles a day & wearing civvies is fine.
I do go for lycra if it's raining though, & as a consequence spend more time getting changed than actually cycling. Yesterday I planned ahead for the weather & wore PJs WFH!
I recon that after 4 or 5 miles I'd be hankering after the Lycra.
Probably less.