wow thanks for all the suggestions!

I'll most likely give a few of these ideas a try. The spots that get sore are my inner thighs sometimes where the saddle sometimes rubs when I pedal.

I only use the neosporin in that area. I don't put it near the lady bits at all! haha. I just think it speeds up the healing time if I get some chaffing.

My saddle is pretty comfy. I bought a Selle Royal Ellipse over the summer when one of my LBS was having a sale. I feel in love with it almost instantly. I had just a standard Planet Bike saddle before that and had a lot of chaffing issues and even some lower back soreness.

It's pretty amazing what the right saddle can do for you. People don't believe me when I recommend getting a more firm saddle w/a cut out rather than a big plush cushy one. I always have to say that no, I'm not crazy. My saddle is comfy with or without my cycling shorts