Interesting thoughts! "Rubbing" not really being the right word.... it's not chafing, just annoying. And I don't mean in the saddle - I just don't like the way the shorts feel against my crotch. The saddle itself is actually pretty comfortable. Maybe you're right I might need to try some different shorts. These shorts have worked for me for 6 months though - with panties - in every saddle I've used (I've done indoor spinning for quite awhile, plus 2 different saddles on my hybrid). Without panties though, they feel scratchy to me. Yes, they have a chamois lining.

I'm going to try indysteel's suggestion and try undies on the new bike - I haven't done that yet. I suppose that will tell me if it's the saddle or not.