Yep - baggies interest me too! Haven't tried them yet but I've been told that, while they would be fine for commuting or shorter rides, they would not be comfortable for a longer bike tour. If you still want to try the baggies, I agree with Kona Girl to definitely look for a gusseted crotch! A seam there would be extremely painful at the end of a four-day ride!

Terry makes these skorts with attached bike shorts and a wrap that I really like, but I've never found them for less than $55+. If you can find and / or make a simple wrap skirt that won't get wrinkled up, you can ride with regular bike shorts and put on the skirt when you're off the bike. I kept my home-made one on the back of my bike (actually, it does fit in a jersey pocket!) for a week-long tour last year and it worked out really well. Plus, it was great for going out to eat at a decent hour on those days when I got in too late to change before dinner.

J** - I like the knicker idea!