The padding is shorts is called a chamois. There's different types of chamois's for various body types, riding styles and personal preferences.
The padding in the chamois is not the same as the padding in a bicycle seat, and the one is not a substitute for the other, and a thicker bike pad is not always better. It depends on the type of riding you do, your body build, and your riding style.
For casual riding in more of an upright position, where most of your weight rests in your bottom, a wider, well padded seat is almost always far more comfortable. However, when riding long distance, or racing, where you are bent over and a good portion of your weight is actually being supported by your arms and handlebars, a very thin narrow seat can be better, by reducing contact with your bottom and thighs, so there's less rubbing, friction and chaffing.
The padding/chamois of bike shorts functions in a much different way. Bike shorts are intended to be worn without any undergarments, and the chamois is designed to help prevent chaffing, by using materials that allows the skin to breath and stay cool, while wicking moisture away from your body, along with padding that is strategically placed, to reduce the pressure in precise areas where it can provide the greatest protection against friction and chaffing.
There's also chamois cream designed to be used in conjunction with padded cycling shorts, which can either be applied to the chamois, skin, or both. In addition to helping prevent chaffing, most also have ingredients that help prevent rash, and infections, heal wounds, and sooth the skin.
I was able to pick up all my bike shorts and "skorts" during year end clearance sales, when they discount by as much as 70-80%. I also have a pair of padded cycling pants that are flannel lined for winter riding, and are especially wonderful.
Bibs rarely go on sale because they're a very a "hot" item, the preferred choice of many cyclists because there is no waistline to cut in or fall down, especially beneficial for those who have a bit of a tummy, or not much of a waistline. My waist is small, my hips are wide, so there's no danger of my pants falling down or of the waistband cutting into my skin.
This is my bike seat. It's called a Terry butterfly and for a road bike, it's well padded, but still pretty thin and narrow. ,
If I don't wear padded bike shorts, the chaffing can become unbearable, and I end up not only with rashes, but gigantic angry red welts and even blisters. The padding really helps, but if I overdo without advance training, even padding will only go just so far.