I wish I could wear an apron but they make me so dang hot! Like Dawg, when I'm cooking for just us, I wear cool ratty house clothes that are just as washable as aprons so no harm done. I have a couple of really cute ones on display on magnet hooks on the side of the fridge.
I wear my apron over my ratty clothes. It's less for protecting the clothes than it is for having a place to wipe my hands without having to turn and find a towel.