Well, Inconguy, you are quite right about wanting to be "covered up" with pjs or boxers or anything that would conceal your diaper when room mates exist or an emergency could have you running out of the house in just a diaper. I've thought about it..... the emergency running out of the house ...... it could happen!
Pinning is not easy and won't be without a lot of practice but why pin? Great cloth diapers are available as pull ons and shaped diapers that attach very well with Velcro. Putting on a Velcro tabbed cloth diaper is just about the same as taping on a disposable diaper. They most likely will need boosting to get you thru the night but a small cloth diaper, a terry towel even a toddler cloth diaper just might be enough added absorbancy.
Plastic pants with enclosed elastics are yet another great item to prevent leaks in bed. The encased elastics seal better than Lycra or other elastic leg and waist bands by pressing vinyl against your skin as a barrier to wetness getting out.
Visit the KINS site,
http://www.kinsproducts.com, for these products. Specifically I recommend the #20700 pull on diaper, the #10500 Velcro cotton brief (diaper) and the #50300V vinyl pants with encased elastics. For the disposable cover look at #20300TV.
That should let you sleep in pajamas or boxer shorts and have your outer wear stay dry all night.
As Redwolf points out, a cloth diaper inside a good disposable (like Abena X-Plus or Molicare) will help wick the wetness to dry parts of the disposable and thus not leak out the side and onto your pjs. His tip to wear terry lined plastic pants over the disposable is also a very good way to keep the pjs dry.