I'm in very good shape.
I'll sweat, particularly in humid weather, even if it's nominally cool out.
San Francisco, not commonly considered sultry, runs ~85% RH in the morning, year round.
Even a transit commute (warm busses/subways, and some hill walking) can leave someone pretty schvitzy. Taking 5-10 minutes to cool down, outside, can help.
That said: I agree that commute costs and time are best avoided.