Nice work turtlewoman!
I always wear knickers or loose workout capris when I'm riding. If I ever find bike shorts that I like, I'll just wear them under other pants. A bonus of wearing knickers is that you can go into a store without feeling like you're from an alien planet.
Nobody has ever yelled anything at me about how fat I am, but I've had lots of people yell or comment about my lights (some really nice comments too). But I guess once a jeep did drive by me and moo a bunch of times. The jeep, not the people! They had a "moo" instead of a horn. I still don't know what to make of that one.