I used to cycle commute everyday and would vary the route from 12-60kms. Where I live is very hot in summer and wet in winter. So a shower was needed when I arrived at work. I preferred to not carry a backpack or have a pannier on my bike, so every fortnight I would drive to work and drop off work clothes for the next couple of weeks.

This also meant I would go out for lunch each day as I didn't want to carry food with me on my commute. The cost savings of riding to work vs driving and paying for parking meant I was ahead. If I took public transport and brought lunch from home it would have worked out slightly cheaper but taken 30mins longer each way.

Sure I could have carried lunch with me on my cycle commute but and saved more money, but then I would have enjoyed the ride less. I figure I would still be ahead compared to people who don't cycle and pay for gym classes/memberships.