The chamois on all my various bike shorts provide a lot of coverage. More maxi-pad w wings than mini-pad, shall we say?

I had a similar problem w rubbing at the leg--but only when I ride consecutive days. I don't have that problem if I don't wear shorts w the same style/design chamois two days in a row.

Do you use some kind of chamois cream? I generally need it only on the girly bits but know that body creases can be prone to such problems.