When I'm out smiting people with my Aedric wrath or cleaving crabs in half with my mighty great sword I like to sally forth in gleaming armour across bugloss strewn fields (I find the blue contrasts nicely with the bloody trail of slaughter I leave behind).
When I'm at the tavern arguing with some feral carnist Bosmer over how disgusting meat-ale is (I swear his recent brew had malty undertones of "grandma's left foot with hints of ex lover), I prefer a more casual attire. Full plate becomes quite inconvenient once you have "broken the seal".
Everyone is in the same boat, stuck in their plate or leathers except for the flouncy frock wearers and no one takes them seriously when it comes to real drinking, eating and err fluffing the haystack in the stable.
As a skilled Master Clothier I would like to stitch myself and others up some fancy duds to wear town when taking time away from crushing the enemy like a ripe mango in my fist...mmm squishy mango...
I'd even take up a new craft to avoid accidents after the last keg has gone down but the greaves just won't in time...