I think the amount of padding one requires varies tremendously from person to person. I quite often ride in non-cycling clothes, and quite reasonable distances (55 miles on Tuesday wearing cotton shorts and M & S cotton underpants) with no particular problems - certainly my hands hurt more than my nethers. I know of another forummer who never seems to wear any padding at all but cycles many miles a day on tour with no injuries.
I do normally wear padded shorts for longer rides and I do find them more comfortable, but not massively so. I have a couple of pairs of Enduras, which I like best, but also two pairs of Pearl Izumi. The latter are a bit long in the leg for me - not unreasonably, PI expect someone of my girth to be about 6 inches taller than I am, but the padding works OK as long as the shorts stay up.