Are you wearing cycling shorts? Bought a pair of Endura Humvee cycling shorts a few years ago. They are a two part system with an inner layer that is padded with a chamois and an outer shell with lots of pockets. The parts snap together so you can remove the inner part so that you have a cool pair of multi pocketed shorts for walking around. Put the liner in and it offers a pretty good padded layer for when riding.

The shell also fits over other padded cycling equipment, like bibs or regular Lycra shorts. Also, the chamois are designed to resist bunching and chafing. Same cannot be said for most "underwear".