probably shouldn't leave ladies out of this... Maybe they have a positive opinion.

I, for one, don't stare at dudes junk when we are riding. I'd say most straight men are the same way.

MAYBE some women will look to see what you're workin' with, but I can't see too big being a turn off.

As for the first problem, I had that too. Chamois cream was the answer for me. It isn't just for the chamois. I give the burrito a slather and the skin it will be rubbing against (however high that may be), then tuck that baby up and to the left. Never had a problem since. YMMV.