I once saw the wl I was booked with arrive in her short jean shorts, baseball cap and tight t shirt. Oh man she was sexy as hell.
Have seen ml arriving in their civvies as well and yeah, more often than not find it more appealing. One time a girl turned up in baggy trackies and a Mickey mouse jumper with a baseball cap and slippers, loved it even though it really didn't really scream sex appeal.
One ml I saw arrive in her civvies was impeccably dressed. Designer jeans, high heel ankle boots, designer shirt and jacket. She looked absolutely mint. You know how some people buy that stuff but looks like it doesn't belong? Not her. She was born to wear it.