If you don't want padding, Old Navy has bermudas that are really nice.
http://oldnavy.gap.com/browse/produc...2&actFltr=true I have some of their capris and they're comfortable, not too hot, and no muffin top.
My daughter wears these:
http://www.skirtsports.com/shop/prod...iser-Bike-Girl She loves the hidden pocket and says the padding is a must.