After over five decades of cycling, the only cycling clothing I own is a pair of lined, not padded shorts. I tried padding and it didn't work for me. I tried jerseys, didn't like them. I tried cleated shoes, for almost twenty years, didn't like them in the end either. I only use the bike shorts if I'm riding over 60 miles in a day.
The reason is most of my days on the bike are not just on the bike. I ride the bike to go do other things. When I'm doing other things, I don't want to wear bike clothing and bike shoes. That's the case when I'm touring. Out of 14 to 16 waking hours, I'm seldom on the bike for more than six or seven of those.