The point of the chamois in cycling shorts or bibs isn't to provide cushioning, it's to wick sweat and prevent chafing. Bibs with athletic shorts over top is the best solution, because when you feel comfortable with wearing something tighter you don't have to go buy yet another piece of clothing. I recommend the Performance Elite bibs as an inexpensive solution. Wait for them to go on sale. Do not, under any circumstances, buy cheap (under $40) shorts. You will hate them.

You might also want to adjust your saddle. Or maybe your saddle doesn't fit you well.