OP we are all different, When I ride my mountain bike I have saddle impacts, some can be very harsh,
Tight Underwear holds parts up and safe. My Padded bike shorts help but,,,,

On my Recumbent all leaned back into the seat Commando and regular baggy shorts means FREE Air conditioning !!

If ya get my Drift, er Draft LOL

Never had chafing problems with or without,
I ride In the Brutal humid heat of Florida.