As regards clothing, the DAZ Morphing Fantasy Dresses (and expansion packs) are a must have. They are incredibly versatile. With the right textures the MFD can be anything from a Medieval barmaids dress to a modern evening dress. All the MFD's except Stephanie Petite's one can share textures as well.

As regards other modern, sensible clothing, it is out there but can be hard to find among all the cocktail dresses and stilleto heels.