Won't a chamois become fully saturated with sweat long before the end of a full day of touring? The chamois dries more slowly than the wool/lycra of the shorts so it could end up keeping your nether regions more moist for longer periods than with chamois-free shorts.

My opinion has been that many modern road saddles are designed with minimal padding to make padded cycling shorts a near-necessity. Other saddles keep the padding on the seat and are often considered less comfortable (ignoring individual variablity for a moment). I contend that this is because 1. Riding a padded saddle with padded shorts results in too much padding a pressure on soft tissues. 2. Many riders start out on those padded saddles wearing non-cycling cotton underwear and baggy shorts, creating all sorts of rubbing and moisture issues. Fewer riders have ever tried riding a decent padded saddle in non-padded cycling shorts.

I use a 30$ saddle with a decent amount of padding: Velo Pronto-Z1. It's starting to wear out after 20k miles and I'm definitely buying another.
It works well with cycling shorts but I've found it really shines when paired with something like a speedo jammer:
or triathlon bottom with a minimal chamois (worked great in my half-ironman):