I know this is un-cool and sacrilege in the cycling community, but, why not just wear underwear under your bike shorts. That way, you keep a clean piece of material between you and your bike shorts. I wear a pair of quick dry polyester/spandex underwear under my bike shorts. Never had a chafing/saddle sore issue. They only time I ever had a chafing issue is when I did not wear underwear. BTW, I do change out of my bike gear as soon as I get home.