Well, even among serious hobbyist cyclists, very very few of them are or can be fit for world class pro cycling. Still, it's perfectly okay to use whatever clothes and bikes they enjoy, and it has nothing to do with pretending to be world class.
I imagine a nice lycra suit would actually be comfortable. I don't know, I go with jeans and a T-shirt (when the weather is warm enough for that) but proper cycling wear should help with chafing down there as well as stopping your clothes from dripping sweat while still keeping you warm enough for when you're starting to get exhausted or the weather gets chilly. These problems exist even for non-sporty people cycling to work as long as they ride fast enough for their bodies and have a long enough commute...
Toys? I guess. I would say all hobby equipment is toys.
I imagine a nice lycra suit would actually be comfortable. I don't know, I go with jeans and a T-shirt (when the weather is warm enough for that) but proper cycling wear should help with chafing down there as well as stopping your clothes from dripping sweat while still keeping you warm enough for when you're starting to get exhausted or the weather gets chilly. These problems exist even for non-sporty people cycling to work as long as they ride fast enough for their bodies and have a long enough commute...
Toys? I guess. I would say all hobby equipment is toys.