I started in regular shorts and underwear. That was uncomfortable. Then tried mtb shorts with the removable chamois liner. That was better, but still not that great. Found that they shift around, and if the shorts don't fit just right you end up making all kinds of adjustments while riding. Then tried full bibs. I know why so many riders wear these now. 0 chaffing, extremely comfortable, keeps everything tight and tucked in. You can also wear a pair of shorts over the top if you are not comfortable wearing them alone. There is a reason that they make cycle specific clothing, and this is one of them. If you are on the fence about bibs and are reading this thread, don't hesitate. Get them!