Sounds very familiar. I think my carless urban-ish lifestyle is one of the biggest influences on why I wear what I do.
My shoes aren't always the most sensible ever, but they're usually a compromise between cuteness and walkability rather than pure cuteness. My bags are generally large enough to toss random stuff in, and have long straps. I like the look of daytime clutches and the kind of ladylike satchel that rests in the crook of your elbow, but they're so not happening for me. Another thing is that, a lot of times, I'll try to pick an outfit that will be comfortable and look appropriate the way it is all day long or for day-into-night, since it's more of a pain for me to go back and change or to bring something to switch out. And my clothes also seem more weather-sensitive than they might otherwise be. For instance, bare feet or legs in the winter, even if it's just wearing jeans and flats without socks, aren't usually an option, nor are summer outfits with a topper that's too bulky or delicate to just stash in my bag when I get hot.
Even things like returns and alterations are harder to get around to, since I don't have a car I can just leave something in until I have time to take care of it, so I can go out of my way to avoid needing to do them. Although that might be my laziness too.