Oh, stuff over your clothes... well, I commute and wear regular clothes under my First Gear HT Overpants. They do have a feature that allows you to completely remove them "Basketball Pants" style without having to get undressed. The side of the legs come undone. I originally saw them in San Francisco when a Guy in a Business Suit took them off in front of his BMW GS whatever. I was impressed that they even made gear that you could remove that way.
Anyway, I got mine at NewEnough.com for a darn good price. Been wearing them ever since. Speaking of which, it's getting colder out here now in the mornings, and I need to put away the Air Mesh pants and get down the others.