I own some Muddyfox shorts from SportsDirect that are loose but have a separate padded liner you can detach, they're actually not too bad either, the padding is just not as tight as it could be up front: could just be a sizing issue. This is the pair with padding that is shaped; they also sell pairs that have a very flat piece of yellow foam and they don't look too appealing but I have not tried them.
I did however start off wearing padded undershorts like in the above
ebay link under trackies (in winter). They did me well through shorter rides, however, there is a little too much padding in the ones I have, and I think based on the pics they're the same, and that got a bit uncomfortable when starting to hit 30 miles.
I bought a pair of DHB aeron Lycra shorts to wear under the trackies, much more comfortable even though they're the lower end of the range. However, one day I just went for it, and went out in them alone and have not looked back. I am a very self conscious person, but to my knowledge, not one person has said anything or looked at me funny, and now all I think is so what if they do, I don't know them, and I'd rather be comfortable than care about their inability to not look at my shorts!