stop being a noob.. save yourself a lot of time, money and frustration and just start doing it correctly right now.
go get some cheap bibs and a jersey at performance bike and do it right. you bought a road bike and you 'ride the bla bla bla out of it' so stop acting like a mtb'er and get with the program.
follow this harsh advice and you will eventually thank me for being that ass hole who told you what's what.
also... you DO NOT wear underwear under your cycling gear.
you're welcome
eta: can't say *******, but i can say ass hole