I am also 'late to the party' as it where... I am used to wearing cycling stuff now and, after losing some 30 lbs, I bought tighter fitting jerseys. Big step for me (my jerseys were all baggy mountain bike jerseys).

Anyway, some days, when I am not in the exercise mode and just running errands, I like wearing some messenger cycling pants from Oregon Cyclewear. I learned about them in an old thread (thanks Trek420!). I cut the liner out. I can wear those over regular cycling shorts or, for errands, with normal panties and a t-shirt. They look nice, have some reflecting stripes and good pockets (with zippers).