Get a pair of proper cycling shorts or bibs. I prefer bibs. Get in some rides and see if you are having any issues with chafing, discomfort and then consider a chamois lubricant. I have never used them. Been riding since the early 80s but just on a recreational level, never more than a few hundred miles in a week ever, and usually much less than that.
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Originally Posted by
colorider
Phobias are for irrational fears. Fear of junk ripping badgers is perfectly rational. Those things are nasty.