Here's my take.
Single, living in a small city and haven't had a client in my city yet (8 years) I'm used to working in a room of hundreds and thousands of people, in a big city. And miss that energy.
Have a personal assistant (casual labor) who does more housecleaning and ironing than business work -- and I love it that way! My graphic person lives about 2 hours from me and my copywriter -- across the county.
So I love owning my own business BUT need to get the heck out of the house as often as possible and go into the "big" city of Seattle (it's real small to me compared to NYC
Here is what I'm doing until I get to a point where my income from clients within an hour from me more than pays for itself (most of my clients live throughout the USA) .
I was introduced to the "club". There are about 6 different ones in Seattle. Some are for women, like The Womens Club, others are for those who attended university, some have atletics in the name. There are City Clubs, and more. Even my very small town has a "Yacht Club" and Golf Club.
The one I joined is my swanky Seattle "office", the tallest building with the greatest view of Mount Rainer amoung other things. For dues of $100 per month, I have a library to meet people before 3pm and parking paid for. They have a business area with computers, copier, fax, etc. When I need to meet with someone privately, I rent a room. When I teach a class, I rent the room and have them feed everyone -- very fancy, too
So, Monday and Tuesday I'm on the computer, and usually in my home office. The rest of the week is "up in the air" -- one way or another
My goal is to have an office with 6 employees. Currently, I"m not even allowed to have an employee where I live. But as I get myself ready for the 6 employees (or consultants) I will either rent a place and then buy a home in an section of the state that allows such a situation to be built on the property.
As far as "dress up" -- after 8 years, I have realized that enough with the PJ's. I just feel different (and better) wearing real cloths throughout the day. And I really enjoy the club -- and their dress code is business casual.