well, you have the two things I would give you cr@p about; a helmet and gloves. All the rest is just convenience. I ride a lot in jeans, I don't mind the lack of padding. I wouldnt do that for a long ride, but I rode to work over 100 times last year and never wore bike shorts one way.

Enjoy, keep riding. and take your shoes to a bike shop and ask them to replace your cleats. Take your bike too, just in case it's the pedals.