LAST FALL, Kevin Ibanez’s work schedule suddenly freed him up to attend a friend’s wedding at the last minute. One problem: The smartish affair seemed to call for a suit, and the San Diego nurse, 32, lacked one. “I figured I’d put together a dressed-up outfit with what I had in my closet,” said Ibanez. He settled on a camp-collar shirt, chunky loafers and track pants.