I was worried when i bought my bike that I would turn in to 'one of those' MAMILs.. I was determined not to become the cliche.. BUT, a friend persuaded me to get some bib shorts (think mankini with an inbuilt nappy). I wasn't prepared to spend a fortune, so invested in some from Amazon (about £30 I think).. OMG they are the best, super comfy, don't pull on your shoulders, no need for undercrackers, so you get no pinching around the waist.. HIGHLY recommend getting some if you are new to cycling.
Yes, I admit I am a MAMIL, but the comfort outweighs label!
I’d worn Lycra when younger, albeit never a bib. I brought my first bib shorts this year to commute and I have never looked back. If you are after affordable ways in Planet X doesn’t seem to be a bad start (in fact have recently brought their winter bib tights and they should keep me going year round )