means 'dressing up'?
I wear them for most things, I have fancy ones for fancy things and practical ones for everyday things, more solid, utilitarian ones for anything else - gardening, hypothetical dog walking with wellies, etc.
Im defo with the 'if monty don was a woman' fan club (a recent thread about clothes on here) 
Is it so odd to just throw on a longish raincoat over a dress, paired with some tough boots and get on with your day?
I never found jeans or trousers very comfortable and don't think they suit me much, so it's a non brainer, but it's strange how many people consider it dressing-up to just wear skirts/dresses. Usually I just throw one on and there's no fuss. I wear the same footwear with most of them (boots in winter, converse in summer or birks, and that's that. It's simple and comfy.
Perhaps when people call it fussy or over-dressing maybe they mean more tailored stuff or club wear?
Im not overly 'girly' either, in the sense that my boots are usually a bit rough and ready and my hair is all over the place. I think I just prefer the ease of dressing this way.