Never tried bibs, so have no opinion on them.
For touring, I use this combination:
> liner shorts with a pad. Liners are thin & light, with a loose weave. Mine are from Ground Effect, here:
https://www.groundeffect.co.nz/collections/baggies/products/innuendos-premium-mesh-lycra-cycle-liner I've found these to be fabulously comfortable. On hot/sticky days, I wear them as is. There are various brands around.
> over these, I wear 3/4 length knickers. Various sources, but I bought mine from an outfit in Pittsburgh, Aerotech, here:
https://www.aerotechdesigns.com/cycling-knickers.htmlFor day rides, I usually use standard lycra cycling shorts with a pad. Mine are from Ground Effect, but again, there are many brands available.
My saddle is a 10-yr-old Brooks B17 Champion. Have tried others (& might do so again), but this is so far always the most comfy, as it was right out of the box. According to Thorn's sizing chart, I have a "relaxed" (IIRC) posture while riding. Of course, I use the drops in headwinds, and sometimes just as a change of position; but my bar clamp is 2" above the nose of my saddle, and the outer/upper edges of my rando bars are another 1" or so higher still.
There's no orthodoxy here -- it's a matter of finding out what works best for you & your bottom, and staying with that. That may take a while, as there are several variables at play. Then, of course, once you've found the best fit for yourself, "yourself" changes, esp as one gets older.