How often do you dress up?
I think the last time I really dressed up was for a friend's wedding that was several years ago now.
I have formal wear but I've lost so much weight since I wore it regularly I don't know if it would be so loose it would be almost unwearable.
In church I'll dress moderately more smartly if I'm preaching than if I'm sitting in the pews but even then I don't feel the need for anything more than a shirt with something of a collar on it, it's more about making sure what I'm wearing isn't distracting with patterns or logos or similar. Depending on the time of year that might mean a smart-ish T-shirt with a few buttons and a collar, or a smart casual button-up shirt with a collar.
Aside from that my lifestyle doesn't require formal dress.