Things I would think about...

Is the pad covering the area of chafing? Is there a seam where the chafing is occurring? Is there too much pad and that is causing irritation in the middle? If it's only on one side, is the saddle straight? Is one leg longer than other?

I spend a lot of time on my bike and I'm very particular about my shorts and saddle. To me that is just money well spent. I could tell you to get the same shorts and saddle, but because we're all different... you may end up hating them.

V.