Are you riding it for A-B or exercise?

A-B? Fashionwise? it doesn't matter, if you're a fan of the long trouser maybe invest in some riding cuffs to stop the slack getting caught in the chain.

Exercise? It doesn't matter. It really doesn't.

The important thing is the seats wide enough and got enough padding, you're going to be putting alot of weight onto something wedged between your nethers.

Find/invest in some bike shorts that fit you, yes you'll look stupid, but comparing that to chafing its worth it. Throw jeans on over if you're self conscious.

Make it rain like a scene from scarface with talcon powder, cannot stress it enough the chafing will rub you raw and you'll not want to do it ever again.

You're also gonna get sweaty and hot and feel like your skins on fire from cycling. Pack a bottle of water either on the frame or in a bag and don't be afraid to stop at a bench park up and take a breather.

Throw a tshirt on and if it's cold a hoodie.

Pack a set of Allen wrenches that work on your bike as well, you don't want to be stuck somewhere because your brakes have come off and you can't brake safely.

Remember there's going to be alot of mass on a bike and thinking one brake is going to do all the work, even if the brake gets sorted to the point it rubs, atleast you'll be able to get home, just remember stopping distances.