Zip off "pants" for me, too. I tend even on hotter days to wear the trousery bits so stones don't pop into me boots. Highly recommend the North Face ones as they have zippers at the bottom and look nice as shorts, too.
2002 CF: 2004 from Paris: 2006 VF: 2007 CF: 2009 Aragones, Ingles, Finisterre: 2011 X 2 on CF: 2013 'Caracoles': 2014 CF and Ingles 'Caracoles":2015 Logrono-Burgos (Hospitalero San Anton): 2016 La Douay to Aosta/San Gimignano to Rome:
In South Africa - which used to be a British Colony - pants are underwear.
In the US - shorts are usually underwear.
In South Africa, a 'Fanny bag' is a 'Bum Bag' because the other word is ..... well, we won't there.
So from an English/South African point of view, I always wear pants under my shorts as well as under my trousers and I carry a 'bum bag' or 'moon bag' around my waist.
Makes sense huh?