is their a reason why some people prefer to dress down and relaxed while others prefer to dress more nice and formal?

So my friend likes to lounge in their underwear, they like to wear casual T shirts, stretchy sweat pants, they like to wear crocs, snuggies which is fine but i am different, I always get ready first thing i wake up,the most casual i go is is Jeans and a T shirt and normally i like to wear polo shirts. At work when we can wear black polo shirts i still wear the standard white dress shirt when no one does anymore. neither way is wrong or right but is it just a a preference that people cant explain?