underwear help

Ok, I'm getting really annoyed.

Besides my TG tendencies, underwear with flies get *acutely* painful. Loose skin works its way into the overlap and then gets pinched when I shift position.

But the plain, cheap women's panties, while comfortable get holes if you look at them crosseyed. Especially if I'm riding the bike and wearing jeans.

So, what's out there that's not horridly expensive, and wears decently?

Colors and patterns are nice, but plain white & black will do.