Ladies, what do you wear cycling for a full IM?

I have been training using undies with no seam, chamoix cream, and fully padded bike shorts. But I've been getting chafing and the bits feel like hell even though I've been re-lubing every 2 hours. I am ok doing a full change in the T1 tent.

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Suggestions? I've heard:

* no undies (hmmm don't you want to keep the bits pulled in?) * tri kit shorts instead so the chamois is smaller and there's less friction * combos of no undies with cycling shorts, etc.

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For my half irons I used cycling shorts OVER my tri kit and didn't have much problem. Maybe I should to that, though it sounds crazy.

I will try different things just wanted to see what you girls do and start at the top.

Thanks