I have a few pairs of knickers and long tights that are made for either cycling or running, although none of them have a built-in chamois. I have been wearing my shorts UNDER the knickers or tights, and so far that works just fine.

I have seen a few Ladies around my way wearing their chamois shorts OVER knickers or tights. I was wondering why....until my boyfriend just this morning went out for a ride and did the same. He said a little hole was developing in the seat area of his tights, presumably from spending time in them on a saddle, and was trying to avoid furthur damage by wearing shorts OVER tights. I don't get it, I want my chamois right next to my skin, but will it really make a difference? What do you all suggest? This will be my first winter of riding, and I'd like to get my cold-weather apparel options dialed!