Around town I just wear my boxer briefs(with something over them of course
)
I ride about ten to fifteen miles to get errands done. Enough so that I wear the cotton underwear out so it looks like I am wearing really old ratty underwear a lot of the time.
For anything over twenty miles, or on tour I wear cycling shorts.
I just got some from these guys,
http://www.aerotechdesigns.com/roadbikeshorts.html I have to say that they are pretty good, follow the size charts. Throwing my PI shorts to the back of the drawer as they do seem to be really nice, as good or better than anything I have ever bought.
One thing, I got a couple different styles cause experience has taught me that it is good to run a different style of pad every day to help prevent one style rubbing the same spot day after day. I don't use creams, maybe they would make that moot.