Again we have the no-underwear vs underwear debate! Oy.
Everyone should just try both ways and then do what they like about that.

I wear regular cotton underwear under my biking shorts or capris. I never have chafing or sores or problems with seams. I use plain ol' unscented hand lotion to avoid chafing, instead of gooey vaseline-y stuff. Washes out easily.

Capris with chamois?- I love my SheBeest "Pedal pushers". You can get them on TE, too.