victor....i see you are from down underI use seam-free underwear under the lycra. I did try using none under the lycra, but found that the chafing around the perineum area got worse on wet days. I know I could have used cream for that, but that just makes my daily commute too inconvenient, as it's just another preparation step to do. With the seam-free underwear, the chafing doesn't vanish, but it's minimal and I can live with it.