You could buy a pair of regular cycling shorts and cover up your modesty with some other shorts. Look at
Pearl Izumi's website and others. They make loose fitting shorts with a chamois that you might feel less MAMIL'ly in.
However if you are new to the saddle, then you'll have some pains while your butt adjusts whether you use a pad or not. I use to do 100 mile rides comfortably in unpadded shorts on hard saddles. However I've since embraced the MAMIL look.