Always
I wear thermal bib-tights mainly, but sometimes shorts & (thin lycra) bib-tights. All termperature/weather dependant
(Commuter bike has full mudguards)
Even when running there, it's either shorts, or tights.
My only issues are if I'm getting changed/showered, & the cleaners come into the changing rooms.
Some of the girls knock, or open the door & ask if anyone's in
Others don't!
Still at least it's not any of the Nurses who walk in, to look for collegues...............