apushatayid:
Just to clarify, there is a difference between what is expected when one is davening and what is actual halacha.
The Shulchan Aruch (O.C. 91:2) requires that there be a physical divide between the heart and the erva during prayer. That’s it. Nothing more. So theoretically, one can walk in wearing not much else.
If you want to be machmir and want to wear clothes (let alone pants, dress shirts, suits, ties, etc…) than that is perfectly acceptable. I personally wear what I wear to work (which is usually a dress shirt, pants, and a blazer).