Shootingstar, I could see how one might get used to cycling without a chamois, which is a different issue than no underwear.
What I love about about the new running shorts I have is that they no longer have those gross mesh underliner/short. Instead, they have compression shorts, without the chamois. Much more comfortable.
I am one of those people that gets irritation/lines/welts from anything tight against my skin. Being sweaty makes it worse. So, the less I wear, the better.
Maybe I am a nudist in disguise????
Living previously in a super hot climate made me learn to wear as little as possible, which is why I wear sundresses with no waist, instead of shorts when it gets super hot. And, a loose, boy short like slip instead of panties.
OK, this is getting to be TMI. Although, the cyclists i ride with are not shy at all about discussing these things...