So why are you getting chamois lined shorts? Do you have seat issues/chaffing issues? If you are comfortable do what you are doing.

I bought (too many) liner shorts that I wear under regular shorts. I found regular biking shorts with no shorts on top are much more comfortable. Just less stuff moving around and plus I'm cooler in the heat. But I was worried about looking flabby. My legs are fine but the belly is meh. Bearing children and weight loss give me jelly belly. Anyway, my solution was to wear long tops. I buy bigger sizes or I wear non-cycling tops, like a tunic.

Just a thought.