Surprised to hear people say they don't wear bike shorts. I've been biking for 30 years and wouldn't dream of going without. Mind you, I would have said the same thing about clip in pedals and now every bike i have is flats.
Here's a story:
Last year I decided to do an excursion of four days around 60 miles a day. The first day went poorly. I wasn't quite ready for the distance, and I failed to note some detours that extended the distance. about two thirds in I started to experience considerable pain from abrasion and it became my biggest problem. The next day i was so uncomfortable that I had to stay over at my camp site, and in the end I only did one more day and cancelled the rest of my trip.
Moral of the story is that if you ignore the butt bicycle interface, you may find trips that mean a lot to you ruined of even cancelled.
My suggestion is this:
Most cyclists use bike shorts. Try riding without them if you like but you have to push it a bit. Bike tours will put you in situations you aren't normally in and everything gets amplified. If you have discomfort then buy some, preferable bib shorts (no waist constriction and they stay up) and buy good ones. DO NOT BUY CHEAP SHORTS. Find out if you like them but don't just ignore them.
Use anti abrasion cream. !!!!!!!!!!!!!!!!!!!
Dont buy a padded seat. Seats work by supporting the bones in your butt ( i think that is their medical name
. When they dont fit or are not adjusted, it can be absolute unbearable hell, especially after 8,10,12 hours on a bike. I hear a lot of people like brooks leather saddles for touring but they are pricey.
Seats are like buying shoes. Personal.
The important thing is this. No seat will be comfortable if it is adjusted incorrectly. You need to be balanced correctly front to back. Intuition will often suggest that if you are uncomfortable on the bike that you should move the seat forward but often it needs to move back so that your center of gravity is in balance with your legs. I rode for decades before i realized this. Seat height is also critical. I had thirty years of awful back pain before i realized my seat was too high.
It's unfortunate but it's usually difficult to get help with these things and many who try to help don't know what they are doing. Reading and trial and error are usually necessary.
If it hurts, you probably need to adjust something.