I wash them as often as is convenient, but lately I have started to take only one pair of shorts and one jersey. That said both have probably gone at least 5 days between washings when water was scarce and I was wild camping. When not able to wash them for an extended period, I try to at least turn the shorts inside out and lay them out in the sun for a while in camp. The UV exposure is probably more effective at killing what might grow there than washing is. I find it important to get out of my bike shorts and into something that lets me air out a bit. Running shorts work well for that as well as for sleepwear.

I have not had major issues with chafing or saddle sores on tour despite having done some month long and multi month tours. I do put Balmex or some other zinc oxide based diaper cream on any minor chafed spots before they become a problem. I usually do that when I am off the bike for the day and find that it works magic overnight.

Oh, BTW I hate wool and avoid it like the plague. It hold more moisture, dries slowly and in my experience stink as bad or worse than most of my synthetics. Granted a few of my synthetic garments do get stinky faster and worse, but others do not. I don't take the problematic ones on tour.