I am a utility cyclist but I do wear lycra as I tend to get sweaty or rained on so need to get changed on arrival regardless. If I'm going to wear clothes specifically for cycling I may as well wear clothes designed specifically for cycling. I don't wear a helmet and am in the minority around here.
I do draw the line at team kit tho...
Team kit is good for beginners
By buying last year's team strip you can get some quality gear for a fraction of the price you would pay for the normally branded version