I've liked the Pearl Izumi PRO line--the chamois is a bit minimalist in a good sort of way--does what it needs to, without getting in the way (for me at least, as this is a highly personal thing!). As they tend to tweak things year to year, I don't know if that is still the case. But if you're getting off the bike and walking around, etc, that could be nice. I've worn regular clothes--shorts or skirt--over them often.

I also have done pretty well on bike with Castelli shorts, but they can feel a bit diaperish.

But my worst mistake was getting a pair of Rapha bibs--I find the chamois incredibly comfortable, and the fabric of the whole garment feels wonderful to me when I put it on. I love them! Which is a super bummer, because it would be a lot better for my wallet if I didn't...