Expensive for knickers, but to get a new set of knockers, it's actually quite cheap!

It's not really necessary to wear biking stuff on a folder. You're sitting upright. You aren't trying to save the last ounce, so you can have a reasonable seat. A normal pair of shorts seems just fine. The chamois in a pair of riding tights keeps things fairly well covered. They were probably just screwing with you.

Sorry about the penis, but I can think of at least a couple things right away that would make them think twice about coming up to me again, that's for sure.