Paul Farquhar
Legend
Don't you live in California? In the UK, it's reasonable to assume regular travelling clothes include gloves!In 39 years of playing this game, I've not once had someone describe their normal clothing bought out of the book as having gloves. They will either specify that they want gloves for some RP reason, or the armor comes with it. I have several times had players try to make up reasons for why they shouldn't have to make the saving throw. It's a natural reaction to bad stuff happening.
Traveling gear would not come with gloves, so they don't have gloves unless they tell me they have them or they automatically and explicitly come with what they are wearing.
In other words, what defines "regular clothes" in you location would depend on the climate.