REI has some underwear with padding for biking. I haven't tried them yet, but I'm getting ready to buy some for myself and my wife, for the same reasons the OP states. Chances are, they're better quality that Amazon's cheapest offerings. Chances are they're NOT as good as a pair of insulated bib tights--I have one of these, and it's my go-to when the weather turns cold and I'm riding more than a few miles. It would be nice to throw on some warm joggers (like sweat pants, but cut to fit a little tighter) and have some padding underneath for casual rides in cool temps.

Does anyone have experience with the brands REI stocks for this item?