Indy - have you looked at bib tights? In the winter, I wear shorts with a chamois under a bib tight. This reduces the middle bulk, helps to keep my back warm, ensures my jersey isn't leaving my back exposed, and is incredibly comfortable. It's a bit of a PITA if you have to pee, but I usually don't have to go when I am out riding.
Just a thought.
SheFly



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