Ms. Brown. I have a good news for you. I'm an expert in this field.
First, you pull the shoulder straps off the shoulder, under the jersey, you don't have to take it off. Then pull the side of the bibs, where cut low, place your hands little towards your back, down hard. Material of the bibs stretches enough and strong enough to comes down below your buttocks. Now you squat and do the work. You can do this in one swift movement. When you finish, just by standing up make your bibs pull up over your butt, all you have to do is pull up the straps under the jersey. Wipe or no wipe is your option. By the time this happens, you are covered in sweat anyway. Now you have no excuse left to convert to bibs.

Let's summarize it.
Male: Pull down hard on the front part.
Female: Take straps off, pull down hard on the back.