Originally Posted by
Hendley
One thing I've found personally, is that once you've bought the expensive option, it's really hard to go back to the cheaper stuff. Question is: are you prepared to buy $200 bibs not just now, but from now on and for ever amen?

+1.
The number of panels will affect how form fitting the bibs are (more is better). The Chamois will be the single most important factor to overall comfort. Based on personal experience (and random chatter from friends, team mates and the like) once you go bibs you will never go back.