Charlotte,
More than one way to look at this , you find it hard because you have limited time as a crossdresser , I find it easy because I'm TG and full time , so I'm out the door in jeans and a blouse and a warm jacket and scarf if it's a chilly day to walk with my dog walking friends . I usually stay like that when I return because I have my housework and gardening to do . If I'm off shopping I ususally finish my makeup with powder and blusher , if it's warm enough I'll slip a skirt on and a smart casual jacket . I have a wardrobe full of nice outfits but they will stay there until the social events start up again .
The other point is I never know who is going to knock at my door , so I don't wear inappropriate clothes and high heels , just as most GGs wouldn't .