You dont need a psychiatrist, talk to us with proper logic first, then talk to whom ever you want to.
I found one line pretty funny, you dont feel comfortable with men's undergarments, they give rash and female one you feel okay. How is that possible if both are from cotton? You cant have allergy on one cotton and not the other cotton.
Yes it will be embarassing if get caught, but only when you clain you are straight and come with some more funny logic like the above one. You need a bit help from us, but mostly from your ownself. I am talking on some small issues, get the reply from there.
1. You said you are straight, what gives you that confidence? Have you had sex with female and lijed that? Have you had sex with male and didnot like that?
2. Your intention to wear female undergarments, thats alomost a sure shot to call one as cross dresser or transvestite. All transvestite are not gay, but most of them are. And again a few guys love to wear female clothes occassionally who are straight, but that gives them a good hardon thinking of some girls. They are not gay or transvestite, its a occaissional issue and they can control that too. Your wearing at home says you are not in control.
3. Being transvestite is not shemale or transexual, but most cases they have the trend of being a gay and a bottom. Unless you mention your sex exploration, we cant say the rest.
4. There are people who have the same habit like you, but they do it discreetly. If you can do the same way, go ahead till you are spotted by someone. Trust me, that will be too awkward, rather someone claiming he is gay, thats less awkward.
Whatevr you are whoever you are, look at yourself and try to accept yourself or give up the habit. Taking a place in the middle is never a good approach. I have a feeling you want to come out of this habit, and thats why you pointed your own problems. Thats a good sign that you know what you are doing is not right. Its not a question or right or wrong, its more of a concern of how you place yourself to others and how you are perceived.
You sure can wear girls clothes, thats no issue, but leading a dual life of a man in the day outside and a girl at home at night, thats dual character you are playing. That you need to stop.
I missed out, adding here:
male undergarments and female undergarments are not similar. For male, there is a space for scrotum to stay with ease, the dick can be kept downward, upward or sideway. For girl, there is no concern for crotch area, it sure will give extra pressure to your scrotum. Do you know what that mean? It means scrotum will give a pressure to your testes, which is responsible for create sperms. Scrotum keeps the testes lower than body tenperature. If both get pressure, you may, I repeat, you may have some issue later in terms of quality sperm production.