Crankin, what bag did you use to solve this problem?? I wore holes in two pairs of (cheap) bibs from my saddle bag. I don't think there was a velcro closure rubbing me - I believe it was the actual bag, although I no longer remember. For a while I carried my spare kit in a ziplock bag in my jersey but that's annoying, and currently I'm using a top tube bag which I hate because it moves around a bit and looks so freaking dorky!