I know this is necromancing, but I am a road bike racer. And I was going to say that woman's cycling clothes are just like men's only they are slightly shorter, and I say slightly because the men's ones come almost mid thy anyways.
The chamois pad in them, if it is large (my perl izumi attack shorts have a large one) you can comfortably hide your mass without having to sit on it.
I did have a question about racing though, as I am taking hormones I will lose my edge over the racing field. Slower recovery, less ability to gain muscle, I will no longer be winning against men. And I am still legally male so I can't race in the woman's field.