Bog standard shorts can be used under baggies or tights, not heard of any difference between road lycra and mtb lycra. Bibs are comfy but 99% of the time I “rough it” with standard shorts, lets face it having a bit of elastic around your waist isn’t the most uncomfortable thing ever. (tights are different I’d go bib everytime)
Endura’s are good for the clickfast with baggies but I use lusso shorts most of the time, comfy enough at a reasonable price. Couple of pairs of the posh ones for mtbing and 4 pairs of the cheapy ones for commuting.
My buttocks have never been caressed by an Assos chammy so no doubt I’m missing out on superlative levels of comfort, but I very rarely get a sensitive jacksie so I’ll stick with what I know and still afford to feed the kids 🙂