My pants don't get chain stains when they're rolled up in my pannier. I don't care if I get a black mark on my calf during the summer (alcohol-based hand sanitizer takes it right off anyway), and in the winter I wear tights that tend to stay out of the chain. Either way, when I get to work all hot and sweaty, I can change clothes, rinse off my face, and I'm good to go - no sweat-smelling clothing, and no chain marks.