panic when I see her expensive, silky shirt potentially getting dirty with chocolate, I only keep my nice clothes for the office and nice going out occasions
I buy clothes to wear and enjoy, not just to cover up my nakedness. I take reasonable care of them but they are there to serve me, I don't exist to showcase them. The longevity of my clothing is of less importance than me living my life whilst feeling like my best self. If they get ruined by an activity I'll replace them. If I won't be able to afford to replace a particular item or if it won't be possible eg it's not in fashion any more, then I may limit which activities I do in that item to reduce the risk of it becoming damaged.
I find it incredibly sad that you wear your nicest things (which I presume you feel happiest/most special wearing?) to work, of all places (a location where most people would prefer not to be), and "special occasions" only. Unless you're royalty, how many special occasions do you have in a year?
I buy cheap things that I don't mind if they get damaged for work, I dress up in something unusual for special occasions (that I'd feel out of place wearing on the daily) and I wear my nicest most expensive clothes for my favourite activities. These include hanging out with friends and family, lounging around reading books on my sofa or at a café drinking hot chocolate, walking in parks. I'll wear whatever I happen to be wearing that day to run errands, bake or clean up before bedtime.
I give a nod towards practicality, if all I'm doing that day is cleaning the house I wouldn't wear a long flowy maxi dress because it'd get in the way and I'd rather not sit on every dirty step (to clean the one above) in silk trousers or wear my brand new shirt to clean the toilet, but I don't keep scruffy clothes because I don't like looking or feeling scruffy.
If I'm painting the walls or something messy like that I'll search out my most worn looking items (which may not go together so I may look a state) to use and probably bin afterwards, if there's damage/staining. I don't keep raggedy things full of holes, stains and bobbles for gardening etc because I'd hardly ever wear them and feel like a tramp whenever I did. Why should I feel like I don't deserve nice things just because I'm cleaning or gardening? I don't see why I should feel like a scruffbag if I'm just lounging around at home either. Who cares if nobody else will see me? I'm not dressing for anyone else, I'm doing it for me.
I don't buy the argument that certain items of clothing are intrinsically uncomfortable making them unsuitable for lounging around in, either. The only time I find that to be true is when the item in question has become too small.