If i went commando in jeans, i'd have to throw them in the laundry after every other wearing or something...they sure wouldn't last long! I like to wear my jeans many times before I wash them. I don't wear jeans for biking any distance- those jean seams are too lumpy.
I wear comfy panties with pantyliners for all my clothes- even biking! I consider my pantyliners to be a thin disposable chamois- they don't bunch or have seams, and they are soft and comfy, similar to padded cotton- works for me!! I get the wide/long coverage ones, they are still very thin. I don't need any other chamois pads if i use my pantyliners with my Brooks saddle. I can't imagine all those giant foam pads! Saves me money too, because the unpadded bike shorts and tights are WAY cheaper (sometimes $30 less for the same style but unpadded). Calls me nuts but my "chami-liners" work great for me.