Terry Bella shorts have a super comfortable, low-ish waistband (no elastic in the front), and a comfortable chamois too. I also really like the chamois on the Shebeest SSS short, although I'm not crazy about the fabric (there are definitely others that are lighter and more wicking for hot weather).

It's funny, I definitely like my PANTS to be low rise, and I prefer low rise running shorts, but for some reason I prefer higher-waisted bike shorts. Castellis are nice in this respect -- the waistband actually hits at my waist. I guess there's something that just looks wrong about exposed belly between a bike jersey and shorts, and so many women's jerseys run short in the torso...