Hope you'll get it all sorted out, NY. Chafing is a bee-yotch!
I experienced that first hand today as we did a utility ride on our Bike Friday with racks and panniers, as we just couldn't put off a trip to Walmart any longer. HATE going there, but we had a huge list of pharmacy & household type stuff that we just couldn't find elsewhere closer by or at prices we are willing to pay. It's not a fun ride for me under the best of circumstances: hilly, 14 miles each way, partly on trails, which is fine, but partly in a very narrow bike lane on a busy road with cars whizzing by, several light crossings with steep climbs right after, and a steep climb into Walmart itself, then the usual hoards of people in the parking lot and inside the store. Blech. 
But what this ride did show me is just how miserable my much-beloved Sella Italia Ldy Gel Flow saddles had become for me. UGH! After two blissful days riding the Diva, I figured "how bad can it be". I wore good shorts, used chamois butter, but I still had horrible chafing. Mine is also on the right. In my case I can only attribute this to menopausal changes, as I always loved these saddles before, and now they are really intolerable! I was rubbed raw by the time we finished the 29 mile round trip. 
SO, I have now two more Divas on order (a lovely white one for my white Bike Friday and a black one for my MTB). I'm just not willing to be miserable on the bike, and I found a great source of these saddles in the UK at half the price of what a bunch of places in the US are charging: Wiggle.com. They have lots of cycling gear, free shipping to the US, and no tax. The saddles are only $65-66 US each (depending on color), which is amazing. I guess because they are made in Italy, buying from the UK really makes sense in this case!
Emily
2011 Jamis Dakar XC "Toto" - Selle Italia Ldy Gel Flow
2007 Trek Pilot 5.0 WSD "Gloria" - Selle Italia Diva Gel Flow
2004 Bike Friday Petite Pocket Crusoe - Selle Italia Diva Gel Flow