I just found the drop down menu to switch to off-duty clothing: At the tailor you need to to go to modify, and then you need to click the head-icon (below-right), at that screen you can find the drop down menu to switch to off-duty clothing. Had a hard time finding it too. Only thaks to a player on-line i found it. Could…
I went in-game and nothing changed. For instance I should be able to buy the captains yacht. but Everithing stay's the way as i would play for free :-(