Glad it isn't just me. I also have issues with #2 on your list. I used to always wear a liner when biking, for general ooze, but I've been having such discomfort issues all summer anyway, I've been going without (don't want to add any possible irritation). So I just don't worry about it, and wash my shorts a lot (it usually isn't that bad, but it icks me out). I have several pairs of shorts, and don't ride that many times per week, so they get washed after every ride. I agree with indigoiis - it seems like using chamois creme does help.