That might be true for many folders, but not all.

Also, after spending a few hours in the saddle, the rider of a folder faces many of the the same issues as a sport cyclist, hence the need to wear cycle specific clothing.

To the OP: There are a number of baggy cycling shorts with chamois available, as many mtb riders would not be seen dead in lycra - just Google: 'baggy cycling chamois'.

Then all you need to add is leg warmers if the weather is cold.