I also go with the no underwear under padded shorts theory but have never felt the need for chamois cream, as for someone saying that a pair of shorts for under £40 will be the op's problem then I dont agree at all, I've had £10 shorts from decathlon that were ok for upto an hour, £100 bergamo bibs that were good for slightly longer rides and dhbs that were very good at £80 but just to throw in a curveball I bought some of the planet x clubmans and they so far have given great comfort all for the measly sum of £25. I do agree however that one pair of shorts might not work with someone else's nether regions.