Always panties! Don’t even own anything else. My favorites are hip hugger style or bikinis. In the cooler months, bra, camisole, and tights (or stockings). I also paint my toenails when sandal season is over so they are always covered by socks.
I only wear women’s jeans as well. Most of the time I am dressed 75-100% female and no one is any the wiser. As was mentioned by someone else, changing in the gym locker room can be tricky, but I have it pretty well figured out.
Thanks for the question!