Heh, Princess Star Sloth and Jingle need to go out incognito because otherwise Mrs. Heidmarch makes us go home!
I think that's something that's going to vary person-by-person. Jingle uses her dual identity to escape bath times and to adventure with her best friends, so she won't be appearing outside of her vigilante identity. Her civilian identity is that she's the daughter of Taldan Pathfinders (nobles, of course) who don't think adventuring is a ladylike occupation.