first of all, road racing bikes are meant for speed and efficiency(aerodynamics, power transmission, etc).. I think comfort is a secondary design factor.

The comfort bikes like the navigator, however, is designed solely for comfort and recreation.. The position of the handlebars, which are above the saddle, is very comfortable as compared to the road bike..

Bathing trunks are fairly thin, I'm sure you can use them under your lycra shorts..