Absolutely unnecessary. I'm sure someone else can find the thread where we beat this topic to death a few weeks ago.
"I haven't had any real problems with road rash, etc."
Road rash is what you get when you bail and hit the pavement. Saddle sores are what you get from open bacterial contamination around your chamois-contact area. Hopefully you never have either problem.
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"I feel like my world was classier before I found cyclocross."
- Mandi M.