I know from experience that you gotta take care of what you sit on. I always thought a chamois was so important well now I'm finding out that all it does for me now is sand the bits and they aren't really happy about that at all. I got a kidney infection from poor hydration and just being sloppy about hydration and hygeine (okay I fell asleep and didn't shower after) so I'm on the bench. I'm one of those women that if I don't urinate and rinse after sex, bike riding and swimming I'm sure to get either a UTI or a kidney infection if I ignore it. But for me, the big change I'm finding is riding with just normal shorts that are tight, such as a pair of Russell athletic shorts. Try it if you keep getting the bits sanded, you might not need the chamois at all. Now for mtn biking, I'm fine with a chamois, it's just when I ride on the road I can't take the chamois. I have a Terry Butterfly on my mtn bike and the stock saddle on my commuter bike. I'm switching the butterfly back and forth now as well because well, that stock saddle is not nice. It's really crazy how the cutout makes such a difference!