I'm also in the baggy shorts over bike shorts camp. I have a pair of "bike" under wear as well - compression shorts made of Coolmax with a chamois that I will wear under lightweight sweats in cooler weather. Tho, for local town type trips - commuting to the gym, running errands or shops, I wear normal clothes and ride a Brooks B17 saddle. Finding the right saddle for you bike makes a great difference in riding comfort.