I also had a lot of trouble with soft-tissue chaffing. For the first 5 years of cycling, I just assumed I had to 'toughen up' up front every season. Ugh!

Relief came to me with the Bontrager inForm RL (WSD). It's similiar to the Affinity but I think it's slightly more T shaped. Comes in three widths - and it's no where near as padded as it looks in the images! The indentation in the front region turned out to be significantly more comfortable (and less chaffing) to me than any cutout I'd tried. It may be worth a shot.