If you don't want/need padding, just use some lycra boxer-briefs with shorts over them, like the Champion-brand ones at Walmart or similar. I usually wear those in the summer with some slim-fitting polyester shorts if I'm doing some short, casual group rides or something.

re: talc powder - it is not advised to make continual, regular use of talcum powder, or anything containing talc like most baby powders. Talc is a known carcinogen and repeated, continual use could become a health issue.