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I wear Aerotech bib shorts with a pair of more or less regular* shorts over that for modesty and pockets. When it is cold, I have a pair of wool tights on over the bibs, but under the street clothes shorts. The wool is actually really soft Merino wool.

* More less = I was partial to a pair of loose fitting, board-short length black denim shorts until they finally succumbed to years of riding. After that I tried wearing a pair of cut-off (and hemmed) black scrub pants with cargo pockets. These worked pretty great for months, as even soaked, no one could tell they were wet and being scrubs they dried really fast. Since they were black and had cargo pockets, they didn't look like scrubs either. Unfortunately, the crotch isn't up to the constant wear and tear of cycling. I'm back to something similar to what I started out with, a canvas-y tough fabric short that is loose fitting and has cargo pockets. Couldn't find them in board short length though.

The Aerotech bibs are excellent. Mine have held up fantastically to a tremendous amount of use. After a minute or two in them, I usually forget I'm wearing them, which is saying something, as you'd think they'd be kind of constricting. Very well made, and a reasonable price when you consider how long they last and how much team kit charges for something similar.